大都會銀行控股第二季淨收入1922萬美元 上半年盈利增44%

Metropolitan Bank Holding Corp._June 30, 2026
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
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☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2026
OR
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☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

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For the transition period from __________________ to __________________
Commission File No. 001-38282
Metropolitan Bank Holding Corp.
(Exact Name of Registrant as Specified in Its Charter)
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New York
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13-4042724

(State or Other Jurisdiction of Incorporation or Organization)
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(I.R.S. Employer Identification No.)

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99 Park Avenue, New York, New York
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10016

(Address of Principal Executive Offices)
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(Zip Code)

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(212) 659-0600
(Registrant’s Telephone Number, Including Area Code)
N/A
(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)
Securities registered pursuant to Section 12(b) of the Act:
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Title of each class
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Trading Symbol(s)
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Name of each exchange on which registered

Common Stock, par value $0.01 per share
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MCB
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New York Stock Exchange

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Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such requirements for the past 90 days.
YES ☒ NO ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
YES ☒ NO ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐
Accelerated filer ☒

Non-accelerated filer ☐
Smaller reporting company ☐

Emerging Growth Company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
YES ☐     NO ☒
There were 12,397,778 shares of the Registrant’s common stock, par value $0.01 per share, outstanding as of July 27, 2026.
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Table of Contents

METROPOLITAN BANK HOLDING CORP.
Form 10-Q
Table of Contents
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PART I. FINANCIAL INFORMATION
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Item 1. Financial Statements (unaudited)
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Consolidated Statements of Financial Condition 
6

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Consolidated Statements of Operations 
7

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Consolidated Statements of Comprehensive Income 
8

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Consolidated Statements of Changes in Stockholders’ Equity 
9

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Consolidated Statements of Cash Flows 
10

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Notes to Unaudited Consolidated Financial Statements
11

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Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
35

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Item 3. Quantitative and Qualitative Disclosures About Market Risk
47

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Item 4. Controls and Procedures
49

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PART II. OTHER INFORMATION
50

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Item 1. Legal Proceedings
50

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Item 1A. Risk Factors
50

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Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
50

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Item 3. Defaults Upon Senior Securities
50

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Item 4. Mine Safety Disclosures
51

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Item 5. Other Information
51

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Item 6. Exhibits
52

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Signatures
53

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Table of Contents

GLOSSARY OF COMMON TERMS AND ACRONYMS
ACL
Allowance for credit losses
FHLB
Federal Home Loan Bank

AFS
Available-for-sale
FHLBNY
Federal Home Loan Bank of New York

ALCO
Asset Liability Committee
FRB
Federal Reserve Bank

AOCI
Accumulated other comprehensive income
FRBNY
Federal Reserve Bank of New York

ASC
Accounting Standards Codification
FX
Foreign exchange

ASU
Accounting Standards Update
GAAP
U.S. Generally accepted accounting principles

Bank
Metropolitan Commercial Bank
GPG
Global Payments Group

BHC Act
Bank Holding Company Act of 1956, as amended
HTM
Held-to-maturity

BSA
Bank Secrecy Act
IRR
Interest rate risk

C&I
Commercial and industrial
ISO 
Incentive stock option

CARES Act
Coronavirus Aid, Relief, and Economic Security Act
JOBS Act
The Jumpstart Our Business Startups Act

CECL
Current Expected Credit Loss
LIBOR
London Inter-Bank Offered Rate

CFPB
Consumer Financial Protection Bureau
LTV
Loan-to-value

Company
Metropolitan Bank Holding Corp.
MBS
Mortgage-backed securities

Coronavirus
COVID-19
N/A
Not Applicable

CRA
Community Reinvestment Act
NYSDFS
New York State Department of Financial Services

CRE
Commercial real estate
OCC
Office of the Comptroller of the Currency

CRE Guidance
Commercial Real Estate Lending, Sound Risk Management Practices
PRSU
Performance restricted share units 

DIF
Deposit Insurance Fund
ROU
Right of use

EB-5 Program
EB-5 Immigrant Investor Program
SEC
U.S. Securities and Exchange Commission

EVE
Economic value of equity
SOFR
Secured Overnight Financing Rate

FASB
Financial Accounting Standards Board
TDR
Troubled debt restructuring

FDIC
Federal Deposit Insurance Corporation
USD
U.S. dollar

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NOTE ABOUT FORWARD-LOOKING STATEMENTS
This Quarterly Report on Form 10-Q may contain certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which may be identified by the use of such words as “may,” “believe,” “expect,” “anticipate,” “consider,” “should,” “plan,” “estimate,” “predict,” “continue,” “probable,” and “potential” or the negative of these terms or other comparable terminology. Examples of forward-looking statements include, but are not limited to, estimates with respect to the financial condition, results of operations and business of Metropolitan Bank Holding Corp. (the “Company”) and its wholly-owned subsidiary Metropolitan Commercial Bank (the “Bank”), share repurchases under the Company’s share repurchase program, dividend payments and the Company’s strategies, plans, objectives, expectations and intentions, and other statements contained in this Quarterly Report on Form 10-Q that are not historical facts. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors that are difficult to predict and are generally beyond our control and that may cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Factors that may cause actual results to differ from those results expressed or implied include those factors listed under the heading “Risk Factors” in the Company’s Annual Report on Form 10-K filed with the SEC on February 20, 2026 and in this Quarterly Report on Form 10-Q. In addition, these factors include but are not limited to:
●a failure to successfully manage our credit risk, nonperforming loan resolutions and the sufficiency of our allowance for credit losses;
●changes in loan demand and declines in real estate values in the Company’s market area, which may adversely affect our loan production;
●borrower and depositor concentrations (e.g., by geographic area and by industry);
●the interest rate policies of the Federal Reserve and other regulatory bodies;
●general economic conditions, including unemployment rates, and potential recessionary and inflationary indicators, either nationally or locally, including the related effects on our borrowers and other clients, such as adverse changes to credit quality, and on our financial condition and results of operations; 
●an unanticipated loss of key personnel or existing clients, or an inability to attract key employees; 
●system failures or cybersecurity breaches of our information technology infrastructure and/or confidential information or those of the Company’s third-party service providers; 
●failure to maintain current technologies or technological changes and enhancements that may be more difficult or expensive to implement than anticipated, and failure to successfully implement future information technology enhancements; 
●emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or clients; 
●the timely and efficient development of new products and services offered by the Company, as well as risks (including reputational and litigation) attendant thereto, and the perceived overall value and acceptance of these products and services by clients; 
●the successful implementation or consummation of new business initiatives, which may be more difficult or expensive than anticipated; 
●an unexpected adverse financial, regulatory, legal or bankruptcy event experienced by our financial service clients; 
●unexpected increases in our expenses; 
●changes in liquidity, including funding sources, deposit flows and the size and composition of our deposit portfolio, and the percentage of uninsured deposits in the portfolio; 

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●an unexpected deterioration in the performance of our loan or securities portfolios and our inability to absorb the amount of actual losses inherent in the portfolio;
●difficulties associated with achieving or predicting expected future financial results; 
●growth that differed from expectations and our ability to manage our growth;
●increases in competitive pressures among financial institutions or from non-financial institutions which may result in unanticipated changes in our loan or deposit rates; 
●unexpected adverse impacts related to future acquisitions or divestitures; 
●impacts related to or resulting from regional and community bank failures and stresses to regional banks, or conditions in the securities markets or the banking industry being less favorable than currently anticipated; 
●changes in accounting principles, policies or guidelines may cause the Company’s financial condition or results of operation to be reported or perceived differently; 
●legislative, tax or regulatory changes or actions, including changes and the potential for changes to regulatory policy and the promulgation of new laws and regulations following the inauguration of a new presidential administration, may adversely affect the Company’s business; 
●unanticipated increases in FDIC insurance premiums or future assessments; 
●the costs, including the possible incurrence of fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions, or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results;
●the current or the potential impact on the Company’s operations, financial condition, and clients resulting from natural or man-made disasters, climate change, wars, military conflict, acts of terrorism, other geopolitical events, cyberattacks, and global pandemics, or localized epidemics; and
●unanticipated changes or developments in the industries and sectors in which we have made material investments in, as well as the impact of such changes or developments on our ability to provide banking services to those industries and sectors.  

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The Company’s ability to predict results or the actual effects of its plans or strategies is inherently uncertain. As such, forward-looking statements can be affected by inaccurate assumptions made, or by known or unknown risks and uncertainties. Consequently, no forward-looking statement can be guaranteed. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect conditions only as of the date of this filing. Forward-looking statements speak only as of the date of this document. The Company undertakes no obligation (and expressly disclaims any obligation) to publicly release the results of any revisions which may be made to any forward-looking statements to reflect anticipated or unanticipated events or circumstances occurring after the date of such statements, except as may be required by law.

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METROPOLITAN BANK HOLDING CORP. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited)
(in thousands, except share data)
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June 30, 
​
December 31, 

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  ​ ​ ​
2026
  ​ ​ ​
2025

Assets
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​
​
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Cash and due from banks
​
$
 10,253
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$
 12,086

Overnight deposits
​
​
 229,011
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​
 381,501

Total cash and cash equivalents
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​
 239,264
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​
 393,587

Investment securities available-for-sale, at fair value
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​
 667,778