{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-016541","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.182923+00:00","generated_at":"2026-06-09T20:26:46.150823+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Metropolitan Bank Q3 2023: EPS $1.97, deposits +$233M QoQ, NII stable at $53.6M","bullets":["Net income of $22.1M ($1.97 diluted EPS) vs $25.0M ($2.23) in Q3 2022 and $15.6M ($1.37) in Q2 2023.","Total deposits grew $233M QoQ to $5.5B; non-interest-bearing deposits declined to 31.6% of total.","Net loans increased $205M QoQ to $5.4B, led by CRE and C&I; loan production was $333.5M.","Net interest margin 3.27%, down 17 bps QoQ; cost of funds rose to 3.03% from 2.52%.","Asset quality: NPL/total loans 0.58%, ACL $52.3M; regulatory settlement reserve reversed $3.0M."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-016541","json":"https://secwatch.observer/filing/0001558370-23-016541.json","markdown":"https://secwatch.observer/filing/0001558370-23-016541.md","text":"https://secwatch.observer/filing/0001558370-23-016541.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023016541/0001558370-23-016541-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023016541/mcb-20231019x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T20:26:46.150823+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":"a0ff77f18b08b0bd0b940c1c81999cb9cc913498","claim":"Metropolitan Bank Holding Corp. reported the third quarter of 2023 results: net income $22.1 million, EPS $1.97 per diluted common share.","evidence_excerpt":"Metropolitan Bank Holding Corp. (the \"Company\") (NYSE: MCB), the holding company for Metropolitan Commercial Bank (the \"Bank\"), reported net income of $22.1 million, or $1.97 per diluted common share, for the third quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1476034/000155837023016541/0001558370-23-016541-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"$22.1 million"},{"label":"EPS","value":"$1.97 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"}