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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

$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