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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 1.23% | 0.97% | 1.04% | 0.41% | 1.46% | 1.53% | 0.93% | -11 bps | |
| Return on Equity | 7.59% | 12.48% | 10.00% | 11.18% | 4.56% | 16.62% | 15.60% | 8.61% | -257 bps | |
| Net Interest Margin | 3.56% | 3.63% | 3.60% | 3.79% | 3.88% | 4.10% | 4.01% | 4.03% | +24 bps | |
| Efficiency Ratio | 69.58% | 51.41% | 57.37% | 54.25% | 55.55% | 48.82% | 50.60% | 53.70% | -55 bps | |
| Non-Interest Burden | 2.37% | 1.74% | 1.98% | 1.99% | 2.10% | 1.94% | 1.97% | 2.11% | +12 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 | 0.01% | 0.00% | 0.00% | 0.00% | 0.22% | 0.00% | 0.71% | 1.87% | +187 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 | |