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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Metropolitan Bank
Metropolitan Bank (MCB) investor relations material
Metropolitan Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary21 Oct, 2026
Executive summary
Q3 2026 net income was $32.4M, or $2.58 diluted EPS; NIM was 4.36%.
At quarter-end, assets were $9.5B, loans were $7.5B and deposits were $8.3B; loans and deposits have grown at CAGRs of 16% and 14% since year-end 2020.
Financial highlights
Revenue was $100.6M, net interest income was $97.6M, and pre-tax, pre-provision net revenue was $51.1M.
Net interest income rose 7.9% QoQ and 26.3% YoY; 9M net interest income was $274.0M versus $217.9M.
Non-interest expense fell $2.3M QoQ to $49.5M; provision for credit losses was $5.1M, versus $13.3M QoQ and $23.9M YoY.
9M revenue was $282.1M and net income was $83.1M, or $6.91 diluted EPS.
Outlook and guidance
FY2026 loan growth is on track to approach $1B; full-year net interest income growth is forecast above 20%.
Q4 NIM is forecast at 4.15%–4.20%, assuming a December rate hike; each 25-bp hike typically results in 5 bps of NIM compression.
Deposit gathering is expected to outpace loan growth and fund 2026 and future lending; fee initiatives are expected to lift fee income from H2 2027.
Management expects some Q4 2026 recoveries on legacy non-accrual loans following restructuring or legal proceedings.
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Latest events from Metropolitan Bank
- Loans and deposits surged, capital strengthened, and a $50M buyback was launched.MCB
Q2 2026 - Net income $31.4M, EPS $2.92, strong growth, and $186.8M equity raised in Q1 2026.MCBQ1 2026
- Annual meeting seeks approval of directors, say-on-pay, auditor, and new employee stock plan.MCBProxy filing
- Modernization, AI, and new payments drive growth, with $1B loan target and strong fee income outlook.MCBInvestor Day 2026
- Double-digit growth, margin expansion, and digital transformation drove record 2025 results.MCBQ4 2025
- Net income fell on one-time costs, but NIM, loan, and deposit growth remained strong.MCBQ3 2024
- Q2 net income up to $16.8M, with strong loan growth, asset quality, and digital progress.MCBQ2 2024
- Q1 2025 saw strong loan growth, stable margins, and robust capital with active share repurchases.MCBQ1 2025
- Strong Q4 and 2024 results with loan growth, margin expansion, and a successful BaaS exit.MCBQ4 2024
Next Metropolitan Bank earnings date
Q4 202621 Jan, 2027
Metropolitan Bank
Next Metropolitan Bank earnings date
Q4 202621 Jan, 2027
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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.