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
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.
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.
Capital
30
Asset Quality
25
Profitability
66
Liquidity
99
Efficiency
77
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.
New York, NY · Cert 34699 · Metropolitan Bank Holding Corp.
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.3% share · #35 of 151 inst. · $7.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.98% | 0.97% | 1.00% | 0.80% | 0.97% | 1.53% | 1.23% | +23 bps | |
| Return on Equity | 9.42% | 10.22% | 10.00% | 10.54% | 8.56% | 10.57% | 15.60% | 12.09% | +155 bps | |
| Net Interest Margin | 3.39% | 3.45% | 3.60% | 3.62% | 3.65% | 3.65% | 4.01% | 3.93% | +31 bps | |
| Efficiency Ratio | 63.63% | 60.49% | 57.37% | 55.74% | 55.68% | 53.76% | 50.60% | 52.19% | -356 bps | |
| Non-Interest Burden | 2.03% | 1.95% | 1.98% | 1.94% | 1.96% | 1.90% | 1.97% | 1.99% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.77% | 3.29% | 2.18% | 8.10% | 11.23% | 13.08% | 16.13% | 12.80% | +470 bps | |
| Loan Growth (YoY) | 10.13% | 7.28% | 10.89% | 13.25% | 15.00% | 12.86% | 11.11% | 10.83% | -242 bps | |
| Deposit Growth (YoY) | 13.49% | 4.28% | 3.94% | 9.91% | 13.01% | 23.56% | 19.43% | 13.92% | +401 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.54% | 0.54% | 0.60% | 1.20% | 1.28% | 1.01% | 0.91% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.05% | 0.71% | 1.27% | +128 bps | |
| Allowance / Loans | 1.06% | 1.05% | 1.07% | 1.12% | 1.39% | 1.43% | 1.16% | 0.85% | -27 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 2.0x | 1.9x | 1.2x | 1.1x | 1.2x | 0.9x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 10.49% | 10.00% | 9.78% | 9.39% | 9.06% | 11.36% | 11.07% | +129 bps | |
| Total Risk-Based Capital | 12.94% | 12.98% | 12.08% | 11.96% | 11.70% | 11.74% | 14.27% | 13.73% | +178 bps | |
| Equity / Assets | 9.70% | 10.02% | 9.33% | 9.27% | 8.74% | 8.80% | 10.70% | 10.92% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.37% | 100.31% | 97.18% | 96.88% | 95.02% | 91.63% | 90.40% | 94.26% | -263 bps | |
| Liquid Assets / Assets | 10.00% | 8.44% | 7.58% | 6.71% | 9.10% | 8.94% | 11.40% | 7.27% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 754% | 766% | 615% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.65% | 1.00% | 1.72% | Beats 61% | 14 / 36 | ||
| Return on Equity | 11.00% | 5.35% | 9.30% | 13.56% | Beats 57% | 15 / 35 | ||
| Net Interest Margin | 3.93% | 2.66% | 3.13% | 3.63% | Beats 81% | 7 / 36 | ||
| Efficiency Ratio | 52.19% | 52.19% | 63.09% | 75.14% | Beats 77% | 9 / 35 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.46% | 0.84% | 1.59% | Beats 44% | 21 / 36 | ||
| Net Charge-Offs / Loans | 0.65% | n/a | 0.03% | 0.14% | Beats 6% | 35 / 36 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.91% | 13.13% | 14.78% | 18.34% | Beats 22% | 28 / 36 | ||
| Total Risk-Based Capital Ratio | 13.73% | 13.73% | 15.96% | 19.27% | Beats 25% | 27 / 36 | ||
| Equity / Assets | 10.92% | 9.80% | 11.58% | 14.82% | Beats 42% | 21 / 36 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.26% | 81.12% | 95.13% | 103.24% | 44th pctl | 20 / 36 | ||
| Loans / Assets | 82.74% | 67.44% | 76.31% | 84.79% | 61st pctl | 14 / 36 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||