{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-005312","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.575001+00:00","generated_at":"2026-06-03T18:43:55.616851+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"MCB Q1 2024 net income $16.2M ($1.46 EPS); deposits up 8.7% QoQ; NIM expands 4bps","bullets":["Net income $16.2M ($1.46 diluted EPS) vs $14.6M ($1.28) in Q4 2023 and $25.1M ($2.25) in Q1 2023.","Total deposits grew $500.3M (8.7%) to $6.2B; loans increased $94.4M to $5.7B from Dec 31, 2023.","Net interest margin 3.40%, up 4bps QoQ but down 46bps YoY; net interest income $59.7M.","Non-interest expense $41.9M included $4.9M of GPG wind-down, regulatory remediation, and digital transformation costs.","Asset quality stable: NPLs to total loans 0.91%; total risk-based capital ratio 12.9% (well capitalized)."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-005312","json":"https://secwatch.observer/filing/0001558370-24-005312.json","markdown":"https://secwatch.observer/filing/0001558370-24-005312.md","text":"https://secwatch.observer/filing/0001558370-24-005312.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024005312/0001558370-24-005312-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024005312/mcb-20240418x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T18:43:55.616851+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":"4a58a0a32d3cf13f3692fd49ae9954ed333fc471","claim":"Metropolitan Bank Holding Corp. reported first quarter of 2024 results: revenue $66,713 thousand, net income $16,203 thousand, EPS $1.46.","evidence_excerpt":"Net income of $16.2 million, or $1.46 per diluted common share, for the first quarter of 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024005312/0001558370-24-005312-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2024"},{"label":"Revenue","value":"$66,713 thousand"},{"label":"Net income","value":"$16,203 thousand"},{"label":"EPS","value":"$1.46"},{"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"}