{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-006144","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2023-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.980877+00:00","generated_at":"2026-06-17T00:40:38.172074+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Metropolitan Bank Q1 net income $25.1M, EPS $2.25, up 33% YoY; core deposits grow","bullets":["Net income $25.1M ($2.25 diluted EPS) vs $19.0M ($1.69) in Q1 2022; revenues $65.5M up 21%.","Net interest margin 3.86% (up 115 bps YoY); total loans $4.9B (+17.7% YoY); core deposits (ex-crypto) $4.9B, up $69M from Q4.","Exiting crypto vertical nearly complete; crypto deposits $217.6M (4% of total) vs $278.5M at year-end.","Insured deposits now 71% of total (up from 60% at Dec 2022); liquidity coverage at 208% of uninsured deposits.","Non-performing loans rose to 0.50% from 0.00% prior quarters; regulatory settlement reserve reduced by $2.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-006144","json":"https://secwatch.observer/filing/0001558370-23-006144.json","markdown":"https://secwatch.observer/filing/0001558370-23-006144.md","text":"https://secwatch.observer/filing/0001558370-23-006144.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023006144/0001558370-23-006144-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023006144/mcb-20230418x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T00:40:38.172074+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"79c6c99d790b8abc825cb394755f216920b5e95d","claim":"Metropolitan Bank Holding Corp. reported first quarter of 2023 results: revenue $65.5 million, net income $25.1 million, EPS $2.25 per diluted common share.","evidence_excerpt":"Quarterly Financial Highlights Year-Over-Year: ● Net income of $25.1 million, an increase of 31.8%. ● Diluted earnings per share of $2.25, an increase of 33.1%. ● Revenues 1 of $65.5 million, an increase of 21.2%.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023006144/0001558370-23-006144-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2023"},{"label":"Revenue","value":"$65.5 million"},{"label":"Net income","value":"$25.1 million"},{"label":"EPS","value":"$2.25 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}