---
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"
generated_at: "2026-05-23T10:07:28.208189+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005073
- JSON: https://secwatch.observer/filing/0001558370-25-005073.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005073.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.