{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005073","form_type":"8-K","ticker":"MCB","cik":"0001476034","company_name":"Metropolitan Bank Holding Corp.","filed_at":"2025-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.409686+00:00","generated_at":"2026-05-23T10:07:28.208189+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 net income $16.4M ($1.45 EPS), down from Q4; loans grow 5.1% to $6.3B","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005073","json":"https://secwatch.observer/filing/0001558370-25-005073.json","markdown":"https://secwatch.observer/filing/0001558370-25-005073.md","text":"https://secwatch.observer/filing/0001558370-25-005073.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476034/000155837025005073/0001558370-25-005073-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476034/000155837025005073/mcb-20250421x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T10:07:28.208189+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"}