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Metropolitan Commercial Bank

New York, NY · Cert 34699 · Metropolitan Bank Holding Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 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 $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

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 Commercial Bank

New York, NY · Cert 34699 · Metropolitan Bank Holding Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

$8.9BAssets
$7.3BLoans
$7.8BDeposits
$967.2MEquity
Loan mix
87%RE $6.1B13%C&I $0.9B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $6.1B21%Noninterest $1.6BQ2 2025Q2 2026

NIM

6.18%Q2 ’246.29%Q2 ’256.12%Q2 ’26+9%+9%

Non-interest income vs. expense

2.21%Q2 ’242.10%Q2 ’252.11%Q2 ’26+5%+3%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #35 of 151 inst. · $7.7B of $2921.1B

0.4% New York
0.2% Nassau
0.3% Kings
0.0% Miami-Dade

Executive Summary

  • Earnings: ROA of 1.23%, up 23 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.91% of loans (+31 bps YoY), with net charge-offs at 1.27%.
  • Capital: tier 1 leverage ratio of 11.07%, up 129 bps from a year ago.
  • Funding: loans stand at 94.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+31 bps YoY

Efficiency Ratio (YTD, annualized)

52.19%-356 bps YoY

Tier 1 Leverage Ratio

11.07%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.80%0.97%1.53%1.23%+23 bps
Return on Equity10.54%8.56%10.57%15.60%12.09%+155 bps
Net Interest Margin3.62%3.65%3.65%4.01%3.93%+31 bps
Efficiency Ratio55.74%55.68%53.76%50.60%52.19%-356 bps
Non-Interest Burden1.94%1.96%1.90%1.97%1.99%+5 bps
Growth
Asset Growth (YoY)8.10%11.23%13.08%16.13%12.80%+470 bps
Loan Growth (YoY)13.25%15.00%12.86%11.11%10.83%-242 bps
Deposit Growth (YoY)9.91%13.01%23.56%19.43%13.92%+401 bps
Asset Quality
Nonperforming Loans / Loans0.60%1.20%1.28%1.01%0.91%+31 bps
Net Charge-Offs / Loans0.00%0.07%0.05%0.71%1.27%+128 bps
Allowance / Loans1.12%1.39%1.43%1.16%0.85%-27 bps
Allowance Coverage of NPLs1.9x1.2x1.1x1.2x0.9x-0.9x
Capital
Tier 1 Leverage Ratio9.78%9.39%9.06%11.36%11.07%+129 bps
Total Risk-Based Capital11.96%11.70%11.74%14.27%13.73%+178 bps
Equity / Assets9.27%8.74%8.80%10.70%10.92%+165 bps
Liquidity & Funding
Loans / Deposits96.88%95.02%91.63%90.40%94.26%-263 bps
Liquid Assets / Assets6.71%9.10%8.94%11.40%7.27%+56 bps
CRE / Total Capitaln/a754%766%615%n/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 Commercial Bank

New York, NY · Cert 34699 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Metropolitan Bank Holding Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

$8.9BAssets
$7.3BLoans
$7.8BDeposits
$967.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 7 of 36).
  • Widest gap: net charge-offs / loans trails 94% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 35 of 36).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.20%

Rank 14 of 36

Net Interest Margin

3.93%

Rank 7 of 36

Efficiency Ratio

52.19%

Rank 9 of 35

Equity / Assets

10.92%

Rank 21 of 36

Non-interest income vs. expense

$10.4M$190.1MINCOMEEXPENSE
Unfavorable gap of $179.7M · efficiency ratio beats 77% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 52.19%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.65%1.00%1.72%Beats 61%14 / 36
Return on Equity11.00%5.35%9.30%13.56%Beats 57%15 / 35
Net Interest Margin3.93%2.66%3.13%3.63%Beats 81%7 / 36
Efficiency Ratio52.19%52.19%63.09%75.14%Beats 77%9 / 35
Asset Quality
Nonperforming Loans / Loans0.91%0.46%0.84%1.59%Beats 44%21 / 36
Net Charge-Offs / Loans0.65%n/a0.03%0.14%Beats 6%35 / 36
Capital
Tier 1 Capital Ratio12.91%13.13%14.78%18.34%Beats 22%28 / 36
Total Risk-Based Capital Ratio13.73%13.73%15.96%19.27%Beats 25%27 / 36
Equity / Assets10.92%9.80%11.58%14.82%Beats 42%21 / 36
Liquidity & Funding
Loans / Deposits94.26%81.12%95.13%103.24%44th pctl20 / 36
Loans / Assets82.74%67.44%76.31%84.79%61st pctl14 / 36
Brokered Deposits / Depositsn/aNot reported for this institution