{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-000362","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.278173+00:00","generated_at":"2026-06-06T21:52:26.501290+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"MCB reports Q4 2023 net income $14.6M, $1.28 diluted EPS; deposits grow 3.9% sequentially, NPL ratio rises to 0.92%","bullets":["Net income Q4 2023 $14.6M ($1.28 diluted EPS) vs net loss of $7.7M (-$0.71) in Q4 2022.","Total deposits $5.7B, +$215.7M (3.9%) from Q3 2023; net loans $5.6B, +$270.3M (5.0%) from Q3.","Net interest margin 3.36% vs 3.27% prior quarter and 4.05% prior year; full-year NIM 3.49% unchanged YoY.","Non-performing loans ratio 0.92% (Dec 31, 2023) vs 0.58% (Sept 30, 2023) and 0.00% (Dec 31, 2022).","Full year 2023 ROE 12.4%, ROATCE 12.6%; regulatory capital ratios well above minimums."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-000362","json":"https://secwatch.observer/filing/0001558370-24-000362.json","markdown":"https://secwatch.observer/filing/0001558370-24-000362.md","text":"https://secwatch.observer/filing/0001558370-24-000362.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024000362/0001558370-24-000362-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024000362/mcb-20240118x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:52:26.501290+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":"e476cf23290736d422f6466e8fa51f31b33bd046","claim":"Metropolitan Bank Holding Corp. reported the fourth quarter and full year of 2023 results: net income net income of $14.6 million, or $1.28 per diluted common share, for the fourth quarter of 2023... Net income for the yea.","evidence_excerpt":"On January 18, 2024, Metropolitan Bank Holding Corp. (the \"Company\"), the holding company for Metropolitan Commercial Bank (the \"Bank\"), issued a press release announcing its financial results for the fourth quarter and full year of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024000362/0001558370-24-000362-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year of 2023"},{"label":"Net income","value":"net income of $14.6 million, or $1.28 per diluted common share, for the fourth quarter of 2023... Net income for the yea"},{"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"}