{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013370","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.541257+00:00","generated_at":"2026-05-30T13:15:49.910553+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Metropolitan Bank Q3 net income $12.3M ($1.08 EPS); NIM rises to 3.62% on loan growth, regulatory reserve weighs","bullets":["Net income $12.3M ($1.08 diluted EPS) vs $16.8M ($1.50) in Q2 2024 and $22.1M ($1.97) in Q3 2023.","Net interest margin expanded to 3.62% from 3.44% in Q2 2024, driven by higher loan yields and prepayment fees.","Recorded $12.6M pre-tax charges including $10M regulatory reserve for fintech client investigation; EPS impact $0.78.","Total loans $5.9B (+$58.2M QoQ, +$542.6M YoY); deposits $6.3B (+$100.2M QoQ, +$748.3M YoY).","Non-performing loans stable at 0.53%; well-capitalized with total risk-based capital 13.2% (company) and 12.9% (bank)."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013370","json":"https://secwatch.observer/filing/0001558370-24-013370.json","markdown":"https://secwatch.observer/filing/0001558370-24-013370.md","text":"https://secwatch.observer/filing/0001558370-24-013370.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024013370/0001558370-24-013370-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837024013370/mcb-20241017x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:15:49.910553+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"}