{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-012009","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.030016+00:00","generated_at":"2026-06-13T05:33:13.984822+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"MCB Q2 EPS $1.37 vs $2.07 YoY; NIM 3.44%; loans up 17.7% YoY; crypto exit complete","bullets":["Net income $15.6M ($1.37 diluted EPS) vs $23.2M ($2.07) a year ago; provision for credit losses $4.3M.","Net interest margin 3.44% (down 42 bps QoQ, up 17 bps YoY); total cost of funds 252 bps.","Loans $5.1B +17.7% YoY; non-crypto deposits +7.8% QoQ; insured deposits rise to 73% of total.","Non-performing loans / total loans 0.47% vs 0.00% a year ago; ACL at $51.7M.","Effective tax rate 37.4% due to discrete stock-award rescission; total risk-based capital 13.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-012009","json":"https://secwatch.observer/filing/0001558370-23-012009.json","markdown":"https://secwatch.observer/filing/0001558370-23-012009.md","text":"https://secwatch.observer/filing/0001558370-23-012009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023012009/0001558370-23-012009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023012009/mcb-20230720x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:33:13.984822+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":"6c0303a3413d19ecc0153adcd51b4bcbfdd6903b","claim":"Metropolitan Bank Holding Corp. reported the second quarter of 2023 results: net income $15.6 million, EPS $1.37 per diluted common share.","evidence_excerpt":"reported net income of $15.6 million, or $1.37 per diluted common share, for the second quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023012009/0001558370-23-012009-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$15.6 million"},{"label":"EPS","value":"$1.37 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"}