PackageTrendsPeer
Letter portraitLegal landscape

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