{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000363","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.729648+00:00","generated_at":"2026-05-27T13:52:58.521628+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 Q4 net income $21.4M ($1.88 EPS); NIM expands 30 bps YoY to 3.66%","bullets":["Q4 EPS $1.88 vs $1.08 Q3 and $1.28 year ago; full-year EPS $5.93 vs $6.91 in 2023.","Net interest margin 3.66% (+30 bps YoY); total cost of funds 325 bps, down from Q3's 339 bps.","Total loans $6.0B (+7.3% YoY); deposits $6.0B (+4.3% YoY) despite $689M GPG deposit wind down.","Non-performing loans ratio 0.54%; allowance for credit losses $63.3M.","CEO cites successful exit of BaaS business and technology transformation on track for late 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000363","json":"https://secwatch.observer/filing/0001558370-25-000363.json","markdown":"https://secwatch.observer/filing/0001558370-25-000363.md","text":"https://secwatch.observer/filing/0001558370-25-000363.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837025000363/0001558370-25-000363-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837025000363/mcb-20250123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T13:52:58.521628+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"}