10-Q quarterly report · filed Jul 31, 2026

Metropolitan Bank Holding Corp. (MCB) Q2 2026 10-Q Quarterly Report

Short answer

Metropolitan Bank Holding Corp. (MCB) filed its Q2 2026 10-Q quarterly report on Jul 31, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $3M (down 0.9% year over year) with net income of $19M.

Q2 2026 key financials · XBRL

Revenue
$3M
−0.9% YoY · −0.9% QoQ
Net income
$19M
+2.4% YoY · −38.8% QoQ
EPS (diluted)
$1.48
−15.4% YoY · −49.3% QoQ

Source: XBRL data from the Metropolitan Bank Holding Corp. (MCB) Q2 2026 10-Q on SEC EDGAR. USD.

Metropolitan Bank Holding Corp. Q2 2026 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Quarterly net income $19.2M, up $456K from $18.8M YoY
  • Net interest margin 4.08% vs 3.83% YoY; net interest income $90.4M vs $73.6M
  • Worst credit contributor single C&I loan drove $13.3M provision vs $6.4M YoY
  • Cash and equivalents $239.3M vs $393.6M at December 31, 2025
  • $50.0M share repurchase authorization; ACL estimates remain sensitive to economic forecasts and collateral values

Risk Factors

  • Newly authorized $50 million share-repurchase program replaced the July 17, 2025 program
  • Aggregate repurchase authorization reached $150 million since March 2025
  • No shares repurchased during the quarter despite $50 million June authorization
  • Executive trading-plan risk: sales of up to 7,250 shares beginning September 17, 2026
  • No defaults upon senior securities reported during the quarter

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

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