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Metropolitan Bank (MCB) investor relations material
Metropolitan Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Achieved strong loan and deposit growth in Q3 2025, with loans up $170 million (2.6%) and year-to-date loan growth of $750 million (12%), and core deposits up $280 million (4.1%) in the quarter and over $1 billion (18%) year-to-date, all organic.
Net income for Q3 2025 was $7.1 million, down from $18.8 million in Q2 2025, mainly due to a $23.9 million provision for credit losses tied to a single out-of-market CRE multi-family loan and macroeconomic factors.
Loans and deposits grew at 14% and 11% CAGR respectively from 2020 to Q3 2025, with revenue and net income CAGRs of 18% and 14% from 2020 to 2024.
Announced $50 million share repurchase program and paid first common stock dividend.
Continued expansion into new markets with branch openings in Lakewood, NJ, Miami, and West Palm Beach, FL.
Financial highlights
Net interest margin (NIM) expanded for the eighth consecutive quarter, rising to 3.88% from 3.83% in Q2 2025.
Net interest income was $77.3 million, up 5% sequentially and 18% year-over-year.
Diluted EPS was $0.67, compared to $1.76 in Q2 2025 and $1.08 in Q3 2024; normalized EPS would have been ~$1.95 excluding specific provisioning.
Non-interest income was $2.5 million, flat quarter-over-quarter and down from $6.3 million in Q3 2024 due to the absence of Banking-as-a-Service revenue.
Non-interest expense was $45.8 million, up $2.7 million from Q2 2025, mainly due to higher compensation, technology, and licensing costs, but down $5.5 million year-over-year due to lower regulatory fees.
Outlook and guidance
Projected $100–$200 million additional loan growth for the remainder of 2025; strong pipeline for Q1 2026.
Management expects strong EPS growth in 2026, driven by technology investments and continued margin expansion.
Digital transformation project Phoenix underway, with completion expected in Q4 2025 and full integration by Q1 2026; total estimated cost $18 million, with $10.8 million expensed to date.
Q4 operating expenses expected at ~$46 million, including $3 million in one-time digital project costs.
Margin could approach or exceed 4% in 2026 if multiple rate cuts occur and deposit initiatives succeed.
What drives NIM expansion beyond Fed cuts?
Update on the multifamily loan workout
Digital transformation project cost outlook
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Next Metropolitan Bank earnings date
Q4 202523 Jan, 2026
Next Metropolitan Bank earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Metropolitan Bank Holding Corp. is the holding company for Metropolitan Commercial Bank, which provides a range of banking products and services to individuals, businesses, and institutional clients. The bank’s offerings include deposit accounts such as checking, savings, and certificates of deposit, along with treasury management services. Its lending portfolio features commercial real estate loans, small business loans, and consumer loans. Additionally, the bank provides services to fintech companies, including payment processing and global payment solutions. The company is headquartered in New York, New York, and its shares are listed on the NYSE.
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