{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-009892","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.165823+00:00","generated_at":"2026-05-31T19:36:59.972556+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":"MCB Q2 net income $16.8M ($1.50 EPS) beats Q1; NIM expands to 3.44%; NPLs drop to 0.53%","bullets":["Q2 2024 diluted EPS $1.50 vs Q1 $1.46 and prior Q2 $1.37; net income $16.8M vs $16.2M linked quarter.","Net interest margin 3.44% up 4 bp from Q1; net interest income $61.5M vs $59.7M linked quarter.","Loans at $5.8B, up $119.7M from Q1; total deposits $6.2B, down $67.9M; strong liquidity coverage 228% of uninsured deposits.","Non-performing loans ratio fell to 0.53% from 0.91% Q1; allowance for credit losses $60.0M.","Incurred $5.5M in strategic expenses (GPG wind-down, regulatory remediation, digital transformation) in Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-009892","json":"https://secwatch.observer/filing/0001558370-24-009892.json","markdown":"https://secwatch.observer/filing/0001558370-24-009892.md","text":"https://secwatch.observer/filing/0001558370-24-009892.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024009892/0001558370-24-009892-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024009892/mcb-20240718x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:36:59.972556+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}