Metropolitan Bank Holding Corp. (MCB) Q3 2025 Earnings Call Transcript
Loan Growth Approximately $170 million or 2.6% in the third quarter. Year-to-date growth of $750 million or more than 12%. Reasons: Strategic growth initiatives and strong underwriting standards.
Total Loan Originations $1.4 billion year-to-date. Reasons: Strong loan demand and strategic positioning.
Core Deposits Increased by approximately $280 million or 4.1% in the quarter. Year-to-date growth of over $1 billion or 18%. Reasons: Strategic funding initiatives and development of deposit verticals.
Net Interest Margin (NIM) Increased by 5 basis points to 3.88% from 3.83% in the prior quarter. Reasons: Decline in cost of funds and repricing of the loan book.
Provision Expense $23.9 million in the third quarter. $18.7 million related to 3 out-of-state multifamily loans extended to a single borrower group in 2021 and 2022. $5.2 million driven by adverse macroeconomic factors and loan growth.
Net Interest Income $77.3 million, up 5% quarter-over-quarter and more than 18% year-over-year. Reasons: Strong loan growth and margin expansion.
Diluted EPS Reported at $0.67 for the third quarter. Normalized EPS estimated at $1.95 after adjusting for specific provisioning. Reasons: Earnings strength and momentum of the franchise.
Noninterest Expense Approximately $45.8 million, up $2.7 million from the prior quarter. Reasons: Increase in compensation and benefits, technology costs, and licensing expenses.
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Metropolitan Bank Holding Corp. (MCB) Reports 13% Loan Growth and 20% Net Interest Income Increase in Q4 2025
- Loan Portfolio Growth: In 2025, Metropolitan Bank's loan portfolio expanded by approximately $775 million, representing nearly 13% growth, indicating strong performance in the lending market that enhances overall revenue and market share.
- Net Interest Income Increase: The bank reported net interest income of $85.3 million for Q4, reflecting over 10% growth from the previous quarter and nearly 20% year-over-year, showcasing sustained potential for income growth and strengthening profitability.
- Significant Deposit Growth: Deposits grew by approximately $1.4 billion in 2025, or about 23%, providing ample funding support for future loan growth and further solidifying the bank's financial stability.
- Positive Future Outlook: Management anticipates loan growth of about $800 million, or approximately 12%, in 2026, alongside plans to open two new branches in Florida, demonstrating confidence in market expansion and strategic positioning.

Metropolitan Bank (MCB) Q4 EPS of $2.77 Beats by $0.70, Revenue Up 24.5%
- Earnings Highlights: Metropolitan Bank reported a Q4 GAAP EPS of $2.77, exceeding expectations by $0.70, which underscores the company's robust profitability and strengthens its position in the financial market.
- Revenue Growth: The bank achieved revenues of $88.41 million, a 24.5% year-over-year increase, surpassing estimates by $5.26 million, reflecting effective expansion in its customer base and market share.
- Future Outlook: In its 2026 outlook, Metropolitan Bank highlighted potential for margin expansion and plans to accelerate deposit growth through new verticals, indicating strong confidence in future business development.
- Market Reaction: Despite the strong performance, analysts noted that as the stock becomes fully valued, market momentum may wane, prompting investors to monitor future growth potential and market dynamics.









