MCB Q1 net income $16.4M ($1.45 EPS), down from Q4; loans grow 5.1% to $6.3B

Metropolitan Bank Holding Corp.

2025-Q1 EPS reported $1.45 revenue$3,565,000

Net income $16.4M ($1.45 EPS) vs Q4 $21.4M ($1.88) and Q1 2024 $16.2M ($1.46).
Total loans $6.3B, up 5.1% from Dec 31 and 10.9% YoY; Q1 loan production $409.8M.
NIM 3.68%, up 2 bps linked qtr and 28 bps YoY; cost of funds down to 319 bps.
NPL ratio 0.54% flat; ACL $67.8M, up $4.5M from linked quarter on loan growth.
Repurchased $12.9M (228,926 shares) under $50M authorization, ~2% of shares outstanding.

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