Business
Metropolitan Bank Holding Corp. Reports Fourth Quarter and Full Year 2025 Results
NEW YORK, January 20, 2026--Metropolitan Bank Holding Corp. (the "Company") (NYSE: MCB), the holding company for Metropolitan Commercial Bank (the "Bank"), reported net income of $28.9 million, or $2.77 per diluted common share, for the fourth quarter of 2025 compared to $7.1 million, or $0.67 per diluted common share, for the third quarter of 2025, and $21.4 million, or $1.88 per diluted common share, for the fourth quarter of 2024.
About this update from Metropolitan Bank Holding Corp.
[{"type":"text","content":"Quarterly Net Income of $28.9 Million Supported by Continued Margin Expansion to 4.10% Achieved Quarterly Annualized ROAE of 15.6%","length":131,"tagName":"p","attribs":{}},{"type":"text","content":"Financial Highlights","length":20,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Diluted earnings per share of $2.77 for the fourth quarter of 2025, compared to $0.67 for the prior linked quarter and $1.88 for the prior year period.","length":151,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Net interest income for the fourth quarter of 2025 was $85.3 million, an increase of $8.0 million, or 10.4%, compared to $77.3 million for the prior linked quarter and an increase of $18.7 million or 28.1%, compared to the prior year period.","length":241,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The net interest margin for the fourth quarter of 2025 was 4.10%, an increase of 22 basis points compared to 3.88% for the prior linked quarter and an increase of 44 basis points compared to 3.66% for the prior year period.","length":223,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Annualized return on average equity ("ROAE") of 15.6% and annualized return on average tangible common equity1 ("ROATCE") of 15.8% for the fourth quarter of 2025.","length":182,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"On January 16, 2026, declared a quarterly cash dividend of $0.20 per share on the Company’s common stock, an increase of $0.05 from the prior quarterly dividend of $0.15 per share.","length":180,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Total loans at December 31, 2025 were $6.8 billion, an increase of $28.5 million, or 0.4%, from September 30, 2025 and $776.2 million, or 12.9%, from December 31, 2024.","length":168,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Total deposits at December 31, 2025 were $7.4 billion, an increase of $304.4 million, or 4.3%, from September 30, 2025 and $1.4 billion, or 23.3%, from December 31, 2024.","length":170,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"The Company and Bank have total risk-based capital ratios of 12.3% and 11.7%, respectively, at December 31, 2025, well above regulatory minimums. The Bank is "well capitalized" under all...