Metropolitan Bank Holding Corp. · NYSE:MCB
Metropolitan Bank — Investor Day (March 2026)
77 slides from Metropolitan Bank's investor day presentation, Mar 2, 2026
Slide 1: 2026 Investor Day
2026 Investor Day Metropolitan Bank Holding Corp. (NYSE: MCB) March 3, 2026
Slide 2: Disclosure
Disclosure This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include but are not limited to the Company’s future financial condition and capital ratios, results of operations and
Slide 3: Agenda
Agenda 9:30 am Welcome Founder, President & CEO Mark R. DeFazio 9:45 am Technology and AI and Q&A EVP & Chief Operating Officer Dixiana M. Berrios FVP & Chief AI Officer Ali Abedini 10:30 am Payments and Deposits and Q&A EVP & Chief Business Development Officer Nick Rosenberg SVP & Group Director of
Slide 4: NYC-Based Relationship Commercial Bank
NYC-Based Relationship Commercial Bank $112.5 $86.9 New York Nationwide Average 13.6% 11.3% New York Nationwide Average • Metropolitan Commercial Bank is a relationship-focused commercial bank in NYC serving proven entrepreneurs in specialized lending verticals, supported by a branch-lite, technolog
Slide 5: Modern Banking in Motion
Modern Banking in Motion Core and Technology Modernization Initiative
Slide 6: The Journey to Modernization
The Journey to Modernization 2021-2022 Architecture & Vendor Selection 2 years of strategic planning 2023 Initiative Launch Modern Banking in Motion begins 2024-2025 Phased Implementation Payments, loans, and consumer digital April 2026 Final Phase Go-Live Core systems and commercial digital Moving
Slide 7: Legacy System Challenges
Legacy System Challenges • No commercial online account opening • Manual customer onboarding processes • Limited commercial client integrations • Restricted API capabilities • Disjointed customer journey • Limited complex loan boarding capability • Frequent system outages • Long payment transmission
Slide 8: Best-in-Breed Technology Stack
Best-in-Breed Technology Stack Online Account Opening & Digital Banking Servicing & Contact Center Teller Operations Core Deposits & Customer Records Commercial Loan Servicing Omnichannel Payments Risk Management Data Warehouse Fully integrated, API-enabled ecosystem designed for growth Statement Pr
Slide 9: Transformative Benefits
Transformative Benefits Seamless Digital Experience Online account opening integrated with digital banking eliminates friction points and improves customer conversion rates Enhanced Loan Operations Automated preboarding and servicing workflows streamline complex commercial lending API-First Architec
Slide 10: Business Impact of Modernization
Business Impact of Modernization Revenue & Growth Enablement • Improved product penetration through enhanced digital onboarding and cross-sell capabilities • Faster introduction of new products and features supported by API-enabled architecture Efficiency & Cost Discipline • Reduced manual processes
Slide 11: Implementation Milestones
Implementation Milestones Completed Implementations • Finzly for ACH, Wires, and real-time payments • AFS for commercial loan servicing • eBankIT for consumer online account opening and digital banking with Alloy for risk management Final Phase: April 13, 2026 • Finxact core deposit system • Savana
Slide 12: Project Phoenix: Infrastructure Transformation
Project Phoenix: Infrastructure Transformation Strategic infrastructure investment supporting Modern Banking in Motion Data Center Expansion Expanded disaster recovery site and relocated primary data center Network Redesign Enhanced capacity, resiliency, and automation across the network Virtual Ser
Slide 13: Strategic Value Creation
Strategic Value Creation Business Expansion • Scalable, efficient platform for growth • Support for complex products • Enhanced integration capabilities • Future-ready architecture Operational Efficiency • Automated workflows • Reduced manual processes • Real-time data access • Improved system relia
Slide 14: Modern Banking Platform Live: April 2026
Modern Banking in Motion Modern Banking Platform Live: April 2026 14
Slide 15: Q&A
coe Q&A
Slide 16: Artificial Intelligence: From AI-Ready to AI-Native
Artificial Intelligence From AI-Ready to AI-Native
Slide 17: From AI-Ready to AI-Native
From AI-Ready to AI-Native: Building a Client-First, Trustworthy AI-Powered Bank WHY AI, WHY NOW OUR APPROACH: GOVERNANCE-FIRST AI PRIORITY AI USE CASES STRATEGIC ROADMAP: 2026– 2028 AI ENABLEMENT & VALUE REALIZATION PROGRESS TO DATE Agenda 17
Slide 18: Why AI, Why Now
Why AI, Why Now MCB has grown significantly — Revenue at ~18% CAGR, Assets at ~14% CAGR, Headcount at ~12% CAGR (2020-2025). AI enables us to scale operations without proportionally scaling headcount. Operational Efficiency Automate manual processes in credit underwriting, BSA/AML review, and docume
Slide 19: Our Approach: Governance-First
Our Approach: Governance-First AI Governance Framework AI Working Group (AIWG) with cross-functional representation from Risk, Legal, Compliance, IT, and business lines Trustworthy & Responsible AI Principles aligned to NIST AI RMF and banking regulations Three Lines of Defense model with clear acco
Slide 20: Priority AI Use Cases
Priority AI Use Cases Microsoft 365 Copilot PILOT Value: High Smart drafting, meeting recaps, email summarization across the bank. Reduces manual busy-work and displaces shadow AI with a governed tool. Pilot Q1'26 → Enterprise Q2- Q3'26 Credit Memo AI Generation DEVELOPMENT Value: High Automates fir
Slide 21: Strategic Roadmap: 2026–2028
Strategic Roadmap: 2026–2028 2026 Governance framework fully operational M365 Copilot enterprise rollout Credit Memo & EDD/BSA pilots live AI team scaled Enterprise AI training launched Data classification framework complete 2027 Expand to more governed use cases AI team grows Horizon 2 client-facin
Slide 22: AI Enablement & Value Realization
AI Enablement & Value Realization Multi-Year, Disciplined Enablement Phased, Multi-year Commitment Focused on core talent, secure platforms, and governance-first enablement Material Value Creation Potential Meaningful value expected over the planning horizon Driven by productivity gains, risk reduct
Slide 23: Progress to Date
Progress to Date Governance AIWG stood up with operating guideline & RACI 4 AI Taskforces operational CAIO on key enterprise committees Policies & Frameworks 9 TRAI Principles approved AI Acceptable Use Policy approved AI vendor framework integrated to TPRM Risk & Controls AI Issue Log with accounta
Slide 24: Key Takeaways
Key Takeaways 1 AI is not a concept at MCB — it's in active deployment with governance, staffing, and use cases underway 2 Governance-first approach aligned with regulatory expectations protects the franchise while enabling innovation 3 Phased horizon model manages risk: internal tools first, client
Slide 25: Q&A
coe Q&A
Slide 26: MCB Investor Day: Payments
MCB Investor Day Payments Metropolitan ash Commercial Bank.
Slide 27: A Brief History Of Differentiation At MCB
A Brief History Of Differentiation At MCB… Over Two Decades • We have been able to generate and sustain scalable and efficient low-cost deposits and fee income via our payment settlement services • We have two decades of experience integrating with and meeting the specialty needs of non-bank financi
Slide 28: Target Market
Target Market • US Opportunities • As well as established US entities we will also work with international companies who have been successful abroad, have appropriate management experience and are looking to break into the US market • Direct relationships • Offering Treasury, Corporate Account and P
Slide 29: By The Numbers, Representing Past Experience
29 • MCB’s payments capability has already been proven at scale: • Settling up to 107 million transactions per year • $2.5 billion DDA deposits • Generating over $20 million in fee income annually By The Numbers, Representing Past Experience
Slide 30: Flight Path
Flight Path… • We are entertaining opportunities that we are optimistic will exceed our prior performance • These are in highly regulated and licensed industries that require technology and payments solutions • Industries targeted include (but not limited to): - iGaming - Licensed Online Gambling -
Slide 31: Why Is This Beneficial?
Why Is This Beneficial? 31 RELATED TRANSACTION CLICK FEES DRIVE NON-INTEREST INCOME THE TRANSACTIONS DRIVE LOW-COST STICKY DEPOSITS
Slide 32: MCB Payments Settlement Capabilities
MCB Payments Settlement Capabilities • All transaction activity passes through the MCB Core Banking system and will be supported by scalable and efficient payment options powered by MCB • First mover advantage will allow early market share gains which will drive low cost sticky deposits and non-inte
Slide 33: Q&A
coe Q&A
Slide 34: MCB Investor Day: EB-5
MCB Investor Day EB-5 Metropolitan ash Commercial Bank.
Slide 35: MCB's EB-5 Vertical
MCB’s EB-5 Vertical Background of the Team • Team of 7 dedicated EB-5 professionals • 2 SVP/Group Directors • 5 support team members • 60+ years of collective EB-5 experience • Long-standing reputation in EB-5 since ~2011 • Worldwide recognition of team members and MCBs name 35
Slide 36: Highlights of 2025
Highlights of 2025 36 • $1.5 Billion of EB-5 investor capital intake through MCB • 4500+ transactions processed by MCBs EB-5 team • MCB saw 28% of market share of investments (based on trend of filings through the 3rd quarter, per IIUSA) • 100+ active projects on platform • 60+ independent regional
Slide 37: Notable Projects Completed
• $400MM rural offering in Big Sky, Montana – Residential, for-sale condominiums at the ultra exclusive Yellowstone Club, one of the most sought-after private clubs in the world. • Raise commenced in July 2023 and completed in September 2025 • $140MM offering in Miami, Florida – development and cons
Slide 38: Projects in the Market Now
38 • Onboarded two of the largest infrastructure deals in EB-5 history: • $500MM USIF offering - Demolition, re-development and construction of mixed-use tower (Hyatt) located at 175 Park Avenue in New York City. Offering includes the MTA, RXR and TF Cornerstone • $180MM CanAm offering - constructio
Slide 39: Current Events and Looking Ahead
• Trump Gold Card • Advocacy and lobbying efforts • 2026 projections • Expansion of overall market share of total EB-5 investments • Sustain and improve growth to align with historical growth strategy of 10-15% Current Events and Looking Ahead 39
Slide 40: Q&A
coe Q&A
Slide 41: MCB Investor Day: Retail Banking
MCB Investor Day Retail Banking
Slide 42: Highly Diversified Deposit Verticals
Highly Diversified Deposit Verticals •Branch-lite model driven by technology integrations and high-quality service. •Highly selective branch openings in key markets where MCB already has a well-established position Data as of December 31, 2025 unless noted otherwise. Total Deposits $7.4B Total Depos
Slide 43: Strategically Located Banking Centers
Strategically Located Banking Centers 43
Slide 44: Florida Banking Centers Map
iva FLORIDA 495) ote Port St. Lucie Opening in Q2 2026 @.. Palm P ging OFort Myers Beach (75) °Boca Raton Naples W@W ofort , Lauderdale ron oMiami
Slide 45: Deposit Verticals Growth
We target industries that are in possession of or have discretion over large sums of money. Diversification across deposit verticals is a key strategy for managing and reducing execution risk. $ millions, at year end 2024 2025 Growth ($) Growth (%) EB-5, Title & Escrow, Charter Schools $392 $648 $25
Slide 46: Q&A
coe Q&A
Slide 47: MCB Investor Day: Lending & Credit
MCB Investor Day Lending & Credit
Slide 48: Portfolio Growth
Portfolio Growth $2,140 $2,388 $2,840 $2,939 $3,147 $855 $1,296 $1,684 $1,962 $2,713 $654 $869 $1,051 $1,046 $872 $90 $76 $67 $104 $97 $- $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 2021 2022 2023 2024 2025 in millions Portfolio Growth 5-Year Trend Investment CRE Owner Occupied CRE C&I Consumer &
Slide 49: Loan Portfolio Growth and Diversification
Loan Portfolio Growth and Diversification $6.8 billion Gross Loan Portfolio1, 2 December 31, 2025 | $ millions 1 Gross of deferred fees and unamortized costs. 2 Certain prior period amounts adjusted to conform to current presentation. 3 Excludes owner-occupied. 4 Mobile Home Parks, Residential Condo
Slide 50: Relationship-Based CRE Lending
Relationship-Based CRE Lending Target Market • New York metropolitan area real estate entrepreneurs with a net worth in excess of $50 million • Primarily concentrated in the New York MSA • Well-diversified across multiple property types Composition by Type December 31, 2025 Total CRE loans: $5.9 bil
Slide 51: MCB Approved as HUD MAP/Lean Healthcare Lender
MCB Approved as HUD 232 MAP/Lean Healthcare Lender MCB is pleased to announce its approval by the U.S Department of Housing and Urban Development (HUD) as a MAP/LEAN lender under the Section 232 Healthcare Mortgage Insurance Program. This designation authorizes MCB to originate, underwrite, and serv
Slide 52: Expertise in Specific Verticals Drive C&I Lending
Expertise in Specific Verticals Drive C&I Lending Target Market December 31, 2025 Total C&I Loans: $872mm • Middle market businesses with revenues up to $400 million • Well-diversified across industries Key Metrics • Strong historical credit performance - Pledged collateral and/or personal guarantee
Slide 53: Healthcare Overview
Healthcare Overview Healthcare Spending and GDP Trends Healthcare Spending as a Percentage of GDP in the US •Dominating GDP: Healthcare spending has consistently grown as a percentage of GDP for decades. It currently sits at around 17-18% of GDP. This means close to a fifth of our entire economic ou
Slide 54: US Aging Population
US Aging Population 2010 Population 2024 Population Percentage Change 309,327,143 340,110,988 + 10% Demographic Shifts The need for nursing and residential care facilities is underscored by the large subset of the population that has reached advanced age, as older people can lose the ability to li
Slide 55: Diversified Healthcare Portfolio Overview
Diversified Healthcare Portfolio Overview December 31, 2025 • Active in Healthcare lending since 2002 with no realized losses since entering this space and no deferrals during the pandemic. • CRE – Skilled Nursing Facilities (“SNF”) – average LTV of 70%. • Highly selective regarding the quality of S
Slide 56: Skilled Nursing: Essential Care with Durable Demand
Skilled Nursing: Essential Care with Durable Demand Our track record - no losses in more than 20 years lending to the industry. Industry Depth – MCB has over 45 years of experience combined across healthcare lenders and healthcare credit underwriters. Diversification of facilities – 285 facilities i
Slide 57: Credit Underwriting and Portfolio Oversight
• Robust Credit Underwriting - Credit independent from Lending - Dedicated teams of highly experienced credit underwriters (CRE, C&I and Healthcare) • Disciplined Credit Approval - Credit and Lending Officer Dual Approval - Credit Committee – CCO, DCCO, CEO, CLO & CFO (Board observers) • Strong Port
Slide 58: Q&A
coe Q&A
Slide 59: Financials: 2025 Recap and FY26 Guidance
MCB Investor Day Financials 2025 Recap and FY26 Guidance
Slide 60: Offering Summary
Offering Summary Net Proceeds $169.6 million Price $85.00 per share Shares 2.1 million Closing February 27, 2026 Offering Type Follow-on Security Common stock Use of Proceeds General corporate purposes, organic growth Lock-Up Period 90 days EPS Breakeven Expected by 4Q27 Book Value/Share Dec. pro-fo
Slide 61: Key Takeaways
A 26-year history of outstanding performance – Led by a founder and poised for growth Key Takeaways High performance commercial bank model *Proven execution through various business cycles (including systemic stress) Capital raise to support continued organic growth *No balance sheet restructuring c
Slide 62: Financial Performance Outpacing Peers Since 2017 IPO
Financial Performance Outpacing Peers Since 2017 IPO Pre-tax, pre-provision net revenue⁴ CAGR¹ 2017-2025Q3 Deposits CAGR1 , 1* 2017–2025Q3 Loans CAGR1 , 1* 2017–2025Q3 Share price performance since IPO5 November 7, 2017 Tangible book value per share⁴ CAGR¹ 2017–2025Q3 Earnings per share CAGR¹ 2017–2
Slide 63: Well Managed Net Interest Margin
Well Managed Net Interest Margin Net Interest Margin Analysis Estimated Sensitivity of Annual Net Interest Income December 31, 2025 Net Interest Income $ millions 1 Represents effective average daily Fed Funds rate. 63
Slide 64: Drivers of Long-term Shareholder Value
Drivers of Long-term Shareholder Value • Differentiated Commercial Banking Model • Thick Margins on Niche Lending verticals • Branch-light Funding Model • Proven Track Record of Risk Controlled Growth and Profitability • Investments in Technology and Risk Management Provide Competitive Advantage • D
Slide 65: 2026 Guidance Update
2026 Guidance Update Category Original Guidance Updated Guidance (Post secondary offering) Loan Growth $800M in ‘26 (~12%) $1,000M in ‘26 (~15%) Deposit Growth All loan growth funded with deposits No change Net Interest Income Growth $365M in ‘26 (+20% vs. ‘25 actual) NIM 4.10% for full year ‘26 4.1
Slide 66: Investment Highlights
Investment Highlights Relationship-based commercial bank with a proven track record of robust organic growth, strong margins and profitability, which will be further enhanced by growth-oriented common equity raise Led by a proven, entrepreneurial management team with deep commercial banking expertis
Slide 67: Q&A
coe Q&A
Slide 68: MCB Investor Day: Meet Our Team
MCB Investor Day Meet Our Team
Slide 69: Our Team
Our Team Mark R. DeFazio, Founder, President & Chief Executive Office Mark R. DeFazio is President, Chief Executive Officer and a Founder of Metropolitan Bank Holding Corp. (the Company) and Metropolitan Commercial Bank (the Bank). Under Mr. DeFazio’s leadership, the Bank has grown its assets from $
Slide 70: Our Team
Our Team Norman Scott, Senior Vice President & Chief Credit Officer Daniel F. Dougherty , Executive Vice President & Chief Financial Officer Daniel F. Dougherty is Executive Vice President and Chief Financial Officer of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank. Mr. Dougherty
Slide 71: Our Team
Our Team Laura Capra, Executive Vice President & Head of Retail Banking Laura Capra is Executive Vice President and Head of Retail Banking at Metropolitan Commercial Bank. Ms. Capra joined the Bank in 2012. Prior to joining Metropolitan Commercial Bank, Ms. Capra was a Senior Vice President, Distric
Slide 72: Our Team
Our Team 72 Nick Rosenberg, Executive Vice President & Chief Business Development Officer Nick Rosenberg has served as Executive Vice President and Chief Business Development Officer since June 2024. He previously served as Executive Vice President and Head of Global Payments from October 2018 to Ju
Slide 73: EB-5 Group Directors
73 James Sozomenou, Senior Vice President & EB-5 Group Director James Sozomenou serves as the Senior Vice President and Group Director at Metropolitan Commercial Bank, where he co-leads the EB-5 Division. With ten years of experience in EB-5 banking, he has established himself as a thought leader an
Slide 74: Our Team
Our Team 74 Scott Lublin, Executive Vice President & Chief Lending Officer Scott Lublin is Executive Vice President and Chief Lending Officer of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank. He is responsible for managing the Bank’s Commercial Real Estate and Commercial Lending g
Slide 75: Our Team
Our Team Ali Abedini serves as Metropolitan Commercial Bank's inaugural Chief AI Officer, responsible for building the Bank’s Office of Artificial Intelligence and advancing a safe, explainable, and trustworthy AI program that strengthens risk management, operational efficiency, and client service.
Slide 76: Reconciliation of GAAP to Non-GAAP Measures
Reconciliation of GAAP to Non-GAAP Measures In addition to the results presented in accordance with Generally Accepted Accounting Principles (“GAAP”), this presentation includes certain non-GAAP financial measures. Management believes these non-GAAP financial measures provide meaningful information
Slide 77: Metropolitan Commercial Bank
Metropolitan HD Commercial Bank. MCBankNY.com
Metropolitan Bank Holding — Investor Day (March 2026) on 6ix