Metropolitan Bank Holding Corp. Declares Increased Quarterly Common Stock Cash Dividend

Metropolitan Bank Holding Corp (MCB) reported Q3 2026 earnings, with net interest margin expected to compress by 5 basis points per 25 basis point Fed rate hike, guided to 4.15%-4.20% in Q4. Deposit growth may decelerate, and deposit-related fees are forecast to rise 25%. Loan growth faces headwinds from payoffs. CEO Mark DeFazio and CFO Daniel Dougherty discussed these points and future outlook, including share repurchases and expense growth.

Metropolitan Bank (MCB) reported Q3 2026 earnings with a 4.36% net interest margin, 2.8% loan growth, and a below-50% efficiency ratio. The CFO highlighted strong loan origination, deposit growth, and cost management, while noting AI and payments initiatives for future growth. The bank expects continued loan growth and deposit gathering, with a normalized NIM forecast of 4.15%-4.20% for Q4.

Metropolitan Bank Holding Corp. (MCB) reported Q3 2026 diluted earnings per share of $2.58, with balance sheet growth and a net interest margin of 4.36%. The company forecasts 4.15%–4.20% Q4 net interest margin and ~$1b loan growth by 2026, according to CEO Mark DeFazio.

Metropolitan Bank reported Q3 deposit growth of $589M, with EB-5 deposits contributing 75%. Deposit costs fell 8bps to 2.49%. NIM rose 28bps to 4.36%, but normalized margin was 4.20-4.25%. Management expects Q4 NIM of 4.15-4.20%. Charge-offs were 18bps, and nonperforming loans were below 1%. Noninterest income rose 15%, and expenses fell 4.5%. The bank plans AI investments, branch expansions, and a gaming payments platform. It repurchased $10M in shares and has $40M remaining.

Metropolitan Bank Holding Corp. (MCB) filed an SEC Form 8-K — Results of Operations and Financial Condition. Exhibit 99.1 ​ ​ Release: 4:05 P.M. October 20, 2026 212-365-6721 IR@MCBankNY.com ​ Metropolitan Bank Holding Corp. Reports Third Quarter 2026 Results Net Interest Margin Expansion to 4.36% Diluted EPS of $2.58 ​ Financial Highlights ● Diluted earnings per share was $2.58 for the

Metropolitan Bank Holding Corp. (MCB) reported Q3 2026 net income of $32.4M, or $2.58 diluted EPS, up from $19.2M in Q2 and $7.1M in Q3 2025. Net interest margin increased to 4.36% from 4.08% in Q2. The company cited improving profitability and deposit growth.