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Metropolitan Bank
Metropolitan Bank (MCB) investor relations material
Metropolitan Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved strong growth in loans, deposits, and revenue, with double-digit CAGRs since 2020 and outperformance versus peers in total return and key financial metrics.
Q4 and full year 2025 performance marked by sustained growth in net interest margin, net interest income, deposits, and loans, with improved efficiency ratio and strong asset quality.
Maintained a highly diversified loan and deposit portfolio, with a focus on healthcare, skilled nursing, and commercial real estate.
Completed a major digital transformation project to modernize core banking systems, with full integration expected in Q1 2026.
Loan growth for 2025 was $776 million (13%), fully funded by deposit growth, with deposits exceeding loan growth by over $600 million.
Financial highlights
Loans reached $6.8B and deposits $7.4B as of Q4 2025, with 17% and 14% CAGRs since 2020, respectively.
Q4 net interest income was $85.3 million, up 10.4% sequentially and 28.1% year-over-year.
Net interest margin for Q4 2025 was 4.10%, up from 3.88% in Q3 and 3.66% in Q4 2024.
Net income for 2025 was $71 million, up from $59 million in 2024, with quarterly net income of $28.9 million in Q4 2025.
Efficiency ratio improved to 50.2% in Q4 2025 and 52.5% for the year, down from 62.7% in 2024.
Outlook and guidance
2026 guidance assumes two 25 basis point rate cuts, with loan growth targeted at $800 million (12%) and modest NIM expansion to about 4.10%.
Non-interest income projected to grow 5%-10%; operating expenses forecasted at $189-$191 million, including digital transformation and real estate expansion.
ROTCE expected to approach 16% by Q4 2026, with management confident in sustaining above-market growth.
Continued focus on relationship-driven commercial banking and expansion in targeted verticals.
Status of the out-of-market CRE multi-family loan
Future CRE concentration management strategy
NIM drivers: sustainability of deposit mix changes?
New initiatives driving 2026 fee income growth
Progress on prior quarter's specific reserve workouts
When do digital transformation costs conclude?
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Next Metropolitan Bank earnings date
Investor Day 20263 Mar, 2026
Metropolitan Bank
Next Metropolitan Bank earnings date
Investor Day 20263 Mar, 2026
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Frequently asked questions
Metropolitan Bank Holding Corp. is the holding company for Metropolitan Commercial Bank, which provides a range of banking products and services to individuals, businesses, and institutional clients. The bank’s offerings include deposit accounts such as checking, savings, and certificates of deposit, along with treasury management services. Its lending portfolio features commercial real estate loans, small business loans, and consumer loans. Additionally, the bank provides services to fintech companies, including payment processing and global payment solutions. The company is headquartered in New York, New York, and its shares are listed on the NYSE.
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