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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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