Metropolitan Bank Holding Corp. (MCB) Form 8-K — Oct 20, 2026
Metropolitan Bank Holding Corp. (NYSE: MCB) reported Q3 2026 net income of $32.4 million, or $2.58 per diluted share, up sharply from $19.2 million ($1.54) in Q2 2026 and $7.1 million ($0.67) a year ago. Net interest income rose 26.3% year-over-year to $97.6 million, with net interest margin expanding 48 basis points to 4.36% on loan growth, elevated prepayment penalties, and a lower cost of funds. Total loans grew 2.8% sequentially to $7.5 billion and deposits rose 7.6% to $8.3 billion.
Key figures
- Eps
- 2.58
- Revenue
- 100563000
- Net Income
- 32437000
- Total Assets
- 9470920000
- Cash Position
- 247004000
- Shares Outstanding
- 12285553
- Roae
- 13.1%
- Roatce
- 13.2%
- Market cap
- $1,070.32M
- Total loans
- $7.5 billion (+2.8% QoQ, +10.6% YTD)
- Cost of funds
- 250 bps
- Total deposits
- $8.3 billion (+7.6% QoQ, +12.8% YTD)
- Efficiency ratio
- 49.2%
- Closing price 3q26
- $87.12
- Dividend per share
- $0.40 (raised from $0.35)
- Net interest margin
- 4.36% (+28 bps QoQ, +48 bps YoY)
- Net interest income q3
- $97.6 million (+26.3% YoY)
- Total risk based capital
- 13.9% (holding company)
- Nonperforming loans ratio
- 0.95%
- Uninsured deposit coverage
- 185%
AI analysis
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