10-Q quarterly report · filed Nov 7, 2025

Metropolitan Bank Holding Corp. (MCB) Q3 2025 10-Q Quarterly Report

Short answer

Metropolitan Bank Holding Corp. (MCB) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $2M (down 60.0% year over year) with net income of $7M.

Q3 2025 key financials · XBRL

Revenue
$2M
−60.0% YoY · −4.8% QoQ
Net income
$7M
−42.0% YoY · −62.1% QoQ
EPS (diluted)
$0.69
−36.1% YoY · −60.6% QoQ

Source: XBRL data from the Metropolitan Bank Holding Corp. (MCB) Q3 2025 10-Q on SEC EDGAR. USD.

Metropolitan Bank Holding Corp. Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Third-quarter revenue not disclosed; net income $7.1M vs $12.3M YoY
  • Net interest margin 3.88% vs 3.62% YoY; effective tax rate 30.1% vs 30.2%
  • CRE loans $5.75B, 84.6% of total loans; healthcare $2.8B, 40.9% of total loans
  • Cash $385.9M, up $185.7M or 92.7%; deposits increased $1.1B or 18.2%
  • Credit headwinds: $23.9M provision, non-performing loans $81.6M vs $32.6M; $50M repurchase authorization added

Risk Factors

  • Risk Factors section not provided, preventing assessment of new or changed risks
  • Share-repurchase authorization increased by $50 million to $100 million since March 2025
  • 39,166 shares repurchased at $69.27 per share in August 2025
  • $47,287,075 remained available under repurchase plans at September 30, 2025

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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