PackageTrendsPeer
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Metropolitan Bank and Trust Company

New York, NY · Cert 33656

Savings association · OCC · 1 branch

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=32). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

No peer data yet

Asset Quality

No peer data yet

Profitability

No peer data yet

Liquidity

8

Q1 2026Q1 2026peer median

Efficiency

No peer data yet

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metropolitan Bank and Trust Company

New York, NY · Cert 33656

Savings association · OCC · 1 branch

Q1 2026

$34.5MAssets
$5.5MLoans
$8.5MDeposits
n/aEquity

NIM

NIM decomposition not available for this institution

Non-interest income vs. expense

Non-interest trend not available for this institution

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #142 of 151 inst. · $0.0B of $2921.1B

Executive Summary

  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.01% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

n/a

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%0.00%n/an/a
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)11.00%0.87%-1.70%-6.76%-19.83%-3,084 bps
Loan Growth (YoY)-5.23%-10.88%-4.42%0.99%34.85%+4,008 bps
Deposit Growth (YoY)4.30%23.06%25.26%19.66%11.09%+679 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits53.56%42.46%41.62%46.65%65.01%+1,145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Metropolitan Bank and Trust Company

New York, NY · Cert 33656 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=32)

Savings association · OCC · 1 branch

Q1 2026

$34.5MAssets
$5.5MLoans
$8.5MDeposits
n/aEquity
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assetsn/aNot reported for this institution
Return on Equityn/aNot reported for this institution
Net Interest Marginn/aNot reported for this institution
Efficiency Ration/aNot reported for this institution
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ration/aNot reported for this institution
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assetsn/aNot reported for this institution
Liquidity & Funding
Loans / Deposits65.01%83.44%93.40%101.68%13th pctl28 / 32
Loans / Assets16.06%60.68%73.39%80.87%3rd pctl31 / 32
Brokered Deposits / Depositsn/aNot reported for this institution