Form 8-K

8-K — Metropolitan Bank Holding Corp.

Accession: 0001104659-26-117424

Filed: 2026-10-20

Period: 2026-10-20

CIK: 0001476034

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — mcb-20261020x8k.htm (Primary)

EX-99.1 (mcb-ex99d1.htm)

EX-99.2 (mcb-ex99d2.htm)

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8-K

8-K (Primary)

Filename: mcb-20261020x8k.htm · Sequence: 1

METROPOLITAN BANK HOLDING CORP._October 20, 2026

0001476034false00014760342026-10-202026-10-20

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 20, 2026

METROPOLITAN BANK HOLDING CORP.

(Exact Name of Registrant as Specified in Its Charter)

New York

001-38282

13-4042724

(State or Other Jurisdiction of Incorporation or Organization)

(Commission File No.)

(I.R.S. Employer Identification No.)

99 Park Avenue, New York, New York

10016

(Address of Principal Executive Offices)

(Zip Code)

(212) 659-0600

(Registrant’s Telephone Number, Including Area Code)

N/A

(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below):

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01 per share

MCB

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02Results of Operations and Financial Condition

On October 20, 2026, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank (the “Bank”), issued a press release announcing its financial results for the third quarter of 2026. The press release containing the financial results is attached hereto as Exhibit 99.1 and shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.1 be deemed incorporated by reference in any filings under the Securities Act of 1933, as amended.

Item 7.01Regulation FD Disclosure

The Company has also made available on its website presentation materials containing additional information about the Company’s financial results for the third quarter of 2026 (the “Presentation Materials”). The Presentation Materials are furnished herewith as Exhibit 99.2 and is incorporated by reference in this Item 7.01.

The information provided in Item 7.01 of this report, including Exhibit 99.2, shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.2 be deemed incorporated by reference in any filings under the Securities Act of 1933, as amended.

Item 9.01.Financial Statements and Exhibits

(d) Exhibits.

Exhibit No.

Description

99.1

Press Release dated October 20, 2026

99.2

Presentation Materials

104

Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

METROPOLITAN BANK HOLDING CORP.

Dated: October 20, 2026By:/s/ Daniel F. Dougherty

Daniel F. Dougherty

Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: mcb-ex99d1.htm · Sequence: 2

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 third quarter of 2026, compared to $1.54 for the prior linked quarter and $0.67 for the prior year period.

●Net interest income for the third quarter of 2026 was $97.6 million, an increase of $7.2 million, or 7.9%, compared to the prior linked quarter and an increase of $20.3 million, or 26.3%, compared to the prior year period.

●The net interest margin for the third quarter of 2026 was 4.36%, an increase of 28 basis points compared to the prior linked quarter and an increase of 48 basis points compared to the prior year period.

●Annualized return on average equity of 13.1% and annualized return on average tangible common equity1 of 13.2% for the third quarter of 2026.

●In support of the Company’s focus on delivering strong shareholder returns, on October 19, 2026, the board of directors declared a quarterly cash dividend of $0.40 per share on the Company’s common stock.

●Total loans at September 30, 2026 were $7.5 billion, an increase of $205.0 million, or 2.8%, from June 30, 2026 and an increase of $723.6 million, or 10.6%, from December 31, 2025.

●Total deposits at September 30, 2026 were $8.3 billion, an increase of $589.1 million, or 7.6%, from June 30, 2026 and an increase of $943.4 million, or 12.8%, from December 31, 2025.

●At September 30, 2026, the Company and Bank displayed strong total risk-based capital ratios of 13.9% and 13.5%, respectively, well above regulatory minimums. The Bank remains “well capitalized” under all applicable regulatory guidelines.

1 Non-GAAP financial measure. See Reconciliation of Non-GAAP Measures on page 13.

NEW YORK, October 20, 2026 ‒ Metropolitan Bank Holding Corp. (the “Company”) (NYSE: MCB), the holding company for Metropolitan Commercial Bank (the “Bank”), reported net income of $32.4 million, or $2.58 per diluted common share, for the third quarter of 2026 compared to $19.2 million, or $1.54 per diluted common share, for the second quarter of 2026 and $7.1 million, or $0.67 per diluted common share, for the third quarter of 2025.

Mark DeFazio, President and Chief Executive Officer, commented,

“Our third-quarter performance reflects strong execution across the franchise, with disciplined loan and deposit growth, lower funding costs and continued net interest margin expansion driving meaningful earnings growth. We remain well capitalized, with robust liquidity, and the increase in our quarterly dividend reflects our confidence in the Company’s performance and long-term outlook.”

Balance Sheet

Total loans, net of deferred fees and unamortized costs, were $7.5 billion at September 30, 2026, an increase of $205.0 million, or 2.8%, from June 30, 2026, and an increase of $752.2 million, or 11.1%, from September 30, 2025. The increase in total loans from June 30, 2026 was due primarily to an increase of $164.5 million in commercial real estate (“CRE”) loans (including owner-occupied), an increase of $24.3 million in commercial and industrial (“C&I”) loans and an increase of $19.7 million in construction loans. The increase in total loans from September 30, 2025 was due primarily to an increase of $859.3 million in CRE loans (including owner-occupied), partially offset by a decrease of $97.3 million in C&I loans and a decrease of $8.0 million in construction loans.

Total securities were $1.5 billion at September 30, 2026, an increase of $399.5 million, or 36.7%, from June 30, 2026, and an increase of $553.5 million, or 59.2%, from September 30, 2025. The increase in securities from June 30, 2026 was due primarily to the deployment of excess cash into short-term securities.

Total deposits were $8.3 billion at September 30, 2026, an increase of $589.1 million, or 7.6%, from June 30, 2026, and an increase of $1.2 billion, or 17.6%, from September 30, 2025. The increase in deposits from June 30, 2026 and September 30, 2025 was primarily driven by the Bank’s EB-5 (Immigrant Investor Program), Home Owners Association banking and retail deposit verticals.

The Bank’s liquidity position remains robust. At September 30, 2026, cash on deposit with the Federal Reserve Bank of New York and available secured funding capacity totaled $4.2 billion, which represented 185% of our estimated uninsured deposits. Total cash and cash equivalents were $247.0 million at September 30, 2026.

The Company and Bank have total risk-based capital ratios well above regulatory minimums. The Bank is “well capitalized” under all applicable regulatory guidelines. Total non-owner-occupied CRE loans were 301.1% of total risk-based capital at September 30, 2026, compared to 304.1% and 376.3% at June 30, 2026 and September 30, 2025, respectively. The CRE loan concentration ratio declined from September 30, 2025 primarily owing to the increase in the Bank’s total capital as a result of the completion of the Company’s follow-on public equity offering of common stock in the first quarter of 2026.

Income Statement

Financial Highlights

Three months ended

Nine months ended

Sept. 30,

Jun. 30,

Sept. 30,

(dollars in thousands, except per share data)

2026

2025

2026

2025

Total revenues(1)

100,563

93,010

79,838

282,063

226,698

Net income (loss)

32,437

19,223

7,119

83,086

42,240

Diluted earnings (loss) per common share

2.58

1.54

0.67

6.91

3.89

Return on average assets(2)

1.43

0.86

0.35

1.26

0.73

Return on average equity(2)

13.1

8.0

3.9

12.0

7.7

Return on average tangible common equity(2), (3)

13.2

8.1

3.9

12.1

7.8

(1)

Total revenues equal net interest income plus non-interest income.

(2)

Ratios are annualized.

(3)

Determined by dividing net income by average tangible common equity. Return on average tangible common equity is a Non-GAAP financial measure. See Reconciliation of Non-GAAP Measures on page 13.

Net Interest Income

Net interest income for the third quarter of 2026 was $97.6 million compared to $90.4 million for the prior linked quarter and $77.3 million for the prior year period. The $7.2 million increase from the prior linked quarter was primarily due to an increase in the average balance of loans and, to a lesser extent, securities, a decrease in the average balance of interest-bearing deposits and a decrease in the total cost of funds, partially offset by a decrease in overnight deposits. The $20.3 million increase from the prior year period was primarily due to an increase in the average balance of loans and overnight deposits and a decrease in the cost of funds, partially offset by an increase in the average balance of interest-bearing deposits.

Net Interest Margin

Net interest margin for the third quarter of 2026 was 4.36% compared to 4.08% and 3.88% for the prior linked quarter and prior year period, respectively. The 28 basis point increase from the prior linked quarter and the 48 basis point increase from the prior year period were driven largely by an increase in yields on the average balance of loans and securities, in combination with elevated prepayment penalties and deferred fee recognition as a result of an increased level of loan payoffs, as well as a decrease in the cost of funds.

The total cost of funds for the third quarter of 2026 was 250 basis points compared to 257 basis points and 305 basis points for the prior linked quarter and prior year period, respectively. The decrease from the prior linked quarter primarily reflects improvements in the deposit mix. The decrease from the prior year period primarily reflects the decline in short-term interest rates.

Non-Interest Income

Non-interest income was $3.0 million for the third quarter of 2026, an increase of $392,000 from the prior linked quarter and an increase of $427,000 from the prior year period. The increase from both the prior linked quarter and prior year period was primarily due to an increase in service charges on deposit accounts, partially offset by an increase in the unrealized loss on equity securities.

Non-Interest Expense

Non-interest expense was $49.5 million for the third quarter of 2026, a decrease of $2.3 million from the prior linked quarter and an increase of $3.7 million from the prior year period. The $2.3 million decrease from the prior linked quarter was primarily due to a decrease of $1.8 million in other operating expenses, a $1.1 million decrease in

professional fees and a $946,000 decrease in technology costs, partially offset by a $1.7 million increase in deposit related program fees.

The $3.7 million increase from the prior year period was due primarily to a $4.1 million increase in compensation and benefits and a $1.8 million increase in deposit related program fees, partially offset by a $1.5 million decrease in technology costs and a $1.1 million decrease in the Federal Deposit Insurance Corporation (“FDIC”) assessment.

Income Tax Expense

The effective tax rate for the third quarter of 2026 was 29.5% compared to 31.1% for the prior linked quarter and 30.1% for the prior year period. The decline in the effective tax rate reflects the Company's initiation of an investment tax credit purchase program.

Asset Quality

The ratio of non-performing loans to total loans was 0.95% at September 30, 2026, compared to 0.91% at June 30, 2026 and 1.20% at September 30, 2025. The slight increase in the non-performing loan ratio from the prior linked quarter was primarily attributable to a single CRE loan being placed on non-accrual status. The decrease from the prior year period reflects the resolution and charge-off of a single CRE loan relationship and a single non-core C&I loan relationship.

The allowance for credit losses was $64.2 million at September 30, 2026, an increase of $2.2 million from June 30, 2026, and a decrease of $30.0 million from September 30, 2025. The increase from June 30, 2026 primarily reflects a modest increase in specific reserves and loan growth. The decrease from September 30, 2025 was primarily due to enhancements made to the Bank’s allowance for credit loss estimation process implemented in the first quarter of 2026, as well as the charge-off of the aforementioned previously reserved CRE loan relationship in the second quarter of 2026, partially offset by loan growth.

Conference Call

The Company will conduct a conference call at 9:00 a.m. ET on Wednesday, October 21, 2026, to discuss the results. To access the event by telephone, please dial 800-245-3047 (US), 203-518-9765 (INTL), and provide conference ID: MCBQ326 approximately 15 minutes prior to the start time (to allow time for registration).

The call will also be broadcast live over the Internet and accessible at MCB Quarterly Results Conference Call and in the Investor Relations section of the Company’s website at MCB News. To listen to the live webcast, please visit the site at least 15 minutes prior to the start time to register, download and install any necessary audio software.

For those unable to join for the live presentation, a replay of the webcast will also be available later that day accessible at MCB Quarterly Results Conference Call.

About Metropolitan Bank Holding Corp.

Metropolitan Commercial Bank (“MCB”) is a New York City–based, full-service commercial bank serving businesses, institutions, and individuals who value expertise, responsiveness, and long-term partnerships. Since 1999, MCB has built enduring client relationships, many spanning generations, by delivering consistent, relationship-driven banking.

The Bank provides a full suite of commercial, business, and personal banking solutions, with deep expertise in sectors including real estate, property management, legal services, healthcare, government, and global investors utilizing EB-5 financial solutions. MCB combines specialized capabilities with a highly personalized approach, offering integrated solutions such as title and escrow services, 1031 exchanges, and merchant acquiring.

MCB has received national recognition for its performance and innovation, including being named one of Newsweek’s Best Regional Banks in 2024 and 2025 and earning industry recognition for its lending performance and specialized commercial banking capabilities.

MCB operates full-service banking centers in Manhattan and Boro Park, Brooklyn, within New York City; Great Neck on Long Island; Lakewood, New Jersey; and in South Florida, including Miami, and West Palm Beach.

Metropolitan Commercial Bank is a New York State–chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender. The Bank’s parent company is Metropolitan Bank Holding Corp. (NYSE: MCB).

For more information, please visit the Bank’s website at MCBankNY.com.

Forward-Looking Statement Disclaimer

This release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include but are not limited to the Company’s future financial condition and capital ratios, results of operations and the Company’s outlook, business, share repurchases under the share repurchase program, dividend payments and statements related to the completion of the public offering of common stock and the use of proceeds from the public offering of common stock. Forward-looking statements are not historical facts. Such statements may be identified by the use of such words as “may,” “believe,” “expect,” “anticipate,” “plan,” “continue” or similar terminology. These statements relate to future events or our future financial performance and involve risks and uncertainties that are difficult to predict and are generally beyond our control and may cause our actual results, levels of activity, performance or achievements to differ materially from those expressed or implied by these forward-looking statements. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we caution you not to place undue reliance on these forward-looking statements. Factors which may cause our forward-looking statements to be materially inaccurate include, but are not limited to the following: the interest rate policies of the Federal Reserve and other regulatory bodies; an unexpected deterioration in the performance of our loan or securities portfolios; changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio; unexpected increases in our expenses; different than anticipated growth and our ability to manage our growth; global pandemics, or localized epidemics, could adversely affect the Company’s financial condition and results of operations; potential recessionary conditions, including the related effects on our borrowers and on our financial condition and results of operations; an unanticipated loss of key personnel or existing clients, or an inability to attract key employees; increases in competitive pressures among financial institutions or from non-financial institutions which may result in unanticipated changes in our loan or deposit rates; unanticipated increases in FDIC insurance premiums or future assessments; legislative, tax or regulatory changes or actions, which may adversely affect the Company’s business; impacts related to or resulting from regional and community bank failures and stresses to regional banks; changes in deposit flows, funding sources or loan demand, which may adversely affect the Company’s business; changes in accounting principles, policies or guidelines may cause the Company’s financial condition or results of operation to be reported or perceived differently; general economic conditions, including unemployment rates, either nationally or locally in some or all of the areas in which the Company does business, or conditions in the securities markets or the banking industry being less favorable than currently anticipated; inflation, which may lead to higher operating costs; declines in real estate values in the Company’s market area, which may adversely affect our loan production; an unexpected adverse financial, regulatory, legal or bankruptcy event experienced by our non-bank financial service clients or critical technology service providers; system failures or cybersecurity breaches of our information technology infrastructure and/or confidential information or those of the Company’s third-party service providers; emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or clients; failure to maintain current technologies or technological changes that may be more difficult or expensive to implement than anticipated, and failure to successfully implement future information technology enhancements; the costs, including the possible incurrence of fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions, or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results; the current or anticipated impact of military conflict, terrorism or other geopolitical events; the successful implementation or consummation of new business initiatives, which may be more difficult or expensive than anticipated; the timely and efficient development of new products and services offered by the Company or its strategic partners, as well as risks (including reputational and litigation) attendant thereto, and the perceived overall value and acceptance of these products and services by clients; changes in consumer spending, borrowing or savings habits; the risks associated with adverse changes to credit quality; an unexpected failure to successfully manage our credit risk, nonperforming loan resolutions and the sufficiency of our allowance for credit losses; credit and other risks from borrower and depositor concentrations (e.g., by geographic area and by industry); difficulties associated with achieving or predicting expected future financial results; and the potential impact on the Company’s operations and clients resulting from natural or man-made disasters, wars, acts of terrorism, cyberattacks and pandemics, as well as those discussed under the heading “Risk Factors” in our Annual Report on Form 10-K and Quarterly Reports on Form 10-Q which have been filed with the Securities and Exchange Commission under the Securities Exchange Act of 1934, as amended. Forward-looking statements speak only as of the date of this release. We do not undertake (and expressly disclaim) any obligation to update or revise any forward-looking statement, except as may be required by law.

Consolidated Balance Sheet (unaudited)

Sept. 30,

Jun. 30,

Mar. 31,

Dec. 31,

Sept. 30,

(in thousands)

2026

2025

Assets

Cash and due from banks

10,924

10,253

12,034

12,086

13,109

Overnight deposits

236,080

229,011

660,359

381,501

372,827

Total cash and cash equivalents

247,004

239,264

672,393

393,587

385,936

Investment securities available-for-sale

1,017,359

667,778

649,719

578,932

552,441

Investment securities held-to-maturity

464,744

415,041

347,868

356,627

376,447

Equity investment securities, at fair value

5,852

5,646

5,625

5,609

5,548

Total securities

1,487,955

1,088,465

1,003,212

941,168

934,436

Other investments

27,532

27,759

20,725

20,632

27,330

Loans, net of deferred fees and unamortized costs

7,533,879

7,328,903

7,046,547

6,810,233

6,781,703

Allowance for credit losses

(64,150)

(62,012)

(82,071)

(97,081)

(94,239)

Net loans

7,469,729

7,266,891

6,964,476

6,713,152

6,687,464

Other assets

238,700

236,304

183,318

187,177

199,264

Total assets

9,470,920

8,858,683

8,844,124

8,255,716

8,234,430

Liabilities and Stockholders' Equity

Deposits

Non-interest-bearing demand deposits

1,791,652

1,591,126

1,539,553

1,479,420

1,382,345

Interest-bearing deposits

6,528,920

6,140,356

6,200,166

5,897,758

5,690,414

Total deposits

8,320,572

7,731,482

7,739,719

7,377,178

7,072,759

Federal funds purchased

—

125,000

Federal Home Loan Bank of New York advances

—

150,000

Trust preferred securities

20,620

Secured and other borrowings

15,914

15,938

15,975

10,975

17,355

Other liabilities

139,134

122,477

119,471

103,831

116,656

Total liabilities

8,496,240

7,890,517

7,895,785

7,512,604

7,502,390

Common stock

136

113

Additional paid in capital

591,979

588,133

584,524

405,565

403,708

Retained earnings

523,132

495,034

479,177

450,639

423,338

Accumulated other comprehensive gain (loss), net of tax effect

(54,636)

(39,044)

(39,233)

(39,739)

(41,852)

Treasury stock, at cost

(85,931)

(76,093)

(76,265)

(73,466)

(53,267)

Total stockholders’ equity

974,680

968,166

948,339

743,112

732,040

Total liabilities and stockholders’ equity

9,470,920

8,858,683

8,844,124

8,255,716

8,234,430

Consolidated Statement of Income (unaudited)

Three months ended

Nine months ended

Sept. 30,

Jun. 30,

Sept. 30,

(dollars in thousands, except per share data)

2026

2025

2026

2025

Total interest income

147,188

140,938

132,000

423,058

377,813

Total interest expense

49,579

50,490

54,689

149,092

159,903

Net interest income

97,609

90,448

77,311

273,966

217,910

Provision for credit losses

5,095

13,325

23,862

16,120

34,746

Net interest income after provision for credit losses

92,514

77,123

53,449

257,846

183,164

Non-interest income

Service charges on deposit accounts

2,590

2,229

2,047

7,093

6,351

Other income

364

333

480

1,004

2,437

Total non-interest income

2,954

2,562

2,527

8,097

8,788

Non-interest expense

Compensation and benefits

25,782

25,362

21,674

75,292

63,668

Bank premises and equipment

3,181

3,472

2,664

9,382

7,640

Professional fees

3,507

4,615

3,506

11,351

12,075

Technology costs

3,758

4,704

5,297

12,658

11,170

Deposit related program fees

8,635

6,892

6,800

22,326

16,954

FDIC assessments

900

1,290

1,972

4,040

7,938

Other expenses

3,727

5,467

3,881

12,643

12,180

Total non-interest expense

49,490

51,802

45,794

147,692

131,625

Net income before income tax expense

45,978

27,883

10,182

118,251

60,327

Income tax expense

13,541

8,660

3,063

35,165

18,087

Net income (loss)

32,437

19,223

7,119

83,086

42,240

Earnings per common share:

Average common shares outstanding:

Basic

12,390,315

12,381,794

10,398,255

11,892,798

10,722,311

Diluted

12,570,904

12,515,939

10,587,402

12,026,178

10,846,871

Basic earnings (loss)

2.62

1.55

0.68

6.99

3.94

Diluted earnings (loss)

2.58

1.54

0.67

6.91

3.89

Loan Production, Asset Quality & Regulatory Capital

Sept. 30,

Jun. 30,

Mar. 31,

Dec. 31,

Sept. 30,

2026

2025

LOAN PRODUCTION (in millions)

918.0

718.9

428.3

510.9

514.2

ASSET QUALITY (in thousands)

Non-performing loans:

Commercial real estate

58,084

53,307

68,635

75,408

70,122

Commercial and industrial

11,262

—

8,989

One- to four- family

2,341

2,401

2,416

2,450

2,451

Consumer

—

Total non-performing loans

71,687

66,970

71,051

86,884

81,562

Non-performing loans to total loans

0.95

0.91

1.01

1.28

1.20

Allowance for credit losses

64,150

62,012

82,071

97,081

94,239

Allowance for credit losses to total loans

0.85

1.16

1.43

1.39

Charge-offs

(3,463)

(34,838)

(12,455)

—

(3,858)

Recoveries

112

614

Net charge-offs/(recoveries) to average loans (annualized)

0.18

1.95

0.73

—

0.22

REGULATORY CAPITAL

Tier 1 Leverage:

Metropolitan Bank Holding Corp.

11.5

11.3

11.6

9.5

9.8

Metropolitan Commercial Bank

11.1

11.4

9.1

9.4

Common Equity Tier 1 Risk-Based (CET1):

Metropolitan Bank Holding Corp.

12.8

12.9

13.2

10.7

10.6

Metropolitan Commercial Bank

12.6

12.9

13.1

10.5

10.4

Tier 1 Risk-Based:

Metropolitan Bank Holding Corp.

13.1

13.2

13.4

11.0

10.9

Metropolitan Commercial Bank

12.6

12.9

13.1

10.5

10.4

Total Risk-Based:

Metropolitan Bank Holding Corp.

13.9

14.0

14.6

12.3

12.2

Metropolitan Commercial Bank

13.5

13.7

14.3

11.7

Performance Measures

Three months ended

Nine months ended

Sept. 30,

Jun. 30,

Sept. 30,

(dollars in thousands, except per share data)

2026

2025

2026

2025

Net income (loss) available to common shareholders

32,437

19,223

7,119

83,086

42,240

Per common share:

Basic earnings (loss)

2.62

1.55

0.68

6.99

3.94

Diluted earnings (loss)

2.58

1.54

0.67

6.91

3.89

Common shares outstanding:

Period end

12,285,553

12,395,278

10,382,218

12,285,553

10,382,218

Average fully diluted

12,570,904

12,515,939

10,587,402

12,026,178

10,846,871

Return on:(1)

Average total assets

1.43

0.86

0.35

1.26

0.73

Average equity

13.1

8.0

3.9

12.0

7.7

Average tangible common equity(2), (3)

13.2

8.1

3.9

12.1

7.8

Yield on average earning assets(1)

6.57

6.35

6.62

6.45

6.59

Total cost of deposits(1)

2.49

2.57

2.98

2.55

3.03

Net interest spread(1)

3.42

3.13

2.85

3.25

2.72

Net interest margin(1)

4.36

4.08

3.88

4.17

3.80

Net charge-offs as % of average loans(1)

0.18

1.95

0.22

0.94

0.08

Efficiency ratio(4)

49.2

55.7

57.4

52.4

58.1

(1) Ratios are annualized.

(2)

Determined by dividing net income by average tangible common equity.

(3)Non-GAAP financial measure. See Reconciliation of Non-GAAP Measures on page 13.

(4)Determined by dividing total non-interest expense by total revenues.

Interest Margin Analysis

Three months ended

Sept. 30, 2026

Jun. 30, 2026

Sept. 30, 2025

Average

Yield /

Average

Yield /

Average

Yield /

(dollars in thousands)

Balance

Interest

Rate (1)

Balance

Interest

Rate (1)

Balance

Interest

Rate (1)

Assets:

Interest-earning assets:

Loans (2)

7,331,185

134,375

7.27

7,023,237

125,642

7.18

6,690,695

123,521

7.32

Available-for-sale securities

759,093

6,318

3.30

727,655

5,984

3.30

626,434

4,224

2.68

Held-to-maturity securities

438,273

2,876

2.60

363,589

1,866

2.06

383,238

1,780

1.84

Equity investments

6,049

3.00

5,918

3.04

5,751

2.94

Overnight deposits

328,100

3,179

3.84

750,213

7,010

3.75

177,016

1,995

4.47

Other interest-earning assets

27,724

394

5.64

25,331

391

6.19

27,564

437

6.29

Total interest-earning assets

8,890,424

147,188

6.57

8,895,943

140,938

6.35

7,910,698

132,000

6.62

Non-interest-earning assets

179,637

155,960

128,891

Allowance for credit losses

(61,704)

(80,257)

(74,877)

Total assets

9,008,357

8,971,646

7,964,712

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:

Money market and savings accounts

6,079,932

47,972

3.13

6,110,436

48,800

3.20

5,340,340

49,856

3.70

Certificates of deposit

142,018

1,302

3.64

152,062

1,394

3.68

126,600

1,321

4.14

Total interest-bearing deposits

6,221,950

49,274

3.14

6,262,498

50,194

3.21

5,466,940

51,177

3.71

Borrowed funds

20,620

305

5.84

20,620

296

5.76

289,517

3,512

4.81

Total interest-bearing liabilities

6,242,570

49,579

3.15

6,283,118

50,490

3.22

5,756,457

54,689

3.77

Non-interest-bearing liabilities:

Non-interest-bearing deposits

1,626,652

1,583,067

1,354,163

Other non-interest-bearing liabilities

154,646

140,438

122,811

Total liabilities

8,023,868

8,006,623

7,233,431

Stockholders' equity

984,489

965,023

731,281

Total liabilities and equity

9,008,357

8,971,646

7,964,712

Net interest income

97,609

90,448

77,311

Net interest rate spread (3)

3.42

3.13

2.85

Net interest margin (4)

4.36

4.08

3.88

Total cost of deposits (5)

2.49

2.57

2.98

Total cost of funds (6)

2.50

2.57

3.05

(1)

Ratios are annualized.

(2)

Amount includes deferred loan fees and non-performing loans.

(3)

Determined by subtracting the annualized average cost of total interest-bearing liabilities from the annualized average yield on total interest-earning assets.

(4)

Determined by dividing annualized net interest income by total average interest-earning assets.

(5)

Determined by dividing annualized interest expense on deposits by total average interest-bearing and non-interest-bearing deposits.

(6)

Determined by dividing annualized interest expense by the sum of total average interest-bearing liabilities and total average non-interest-bearing deposits.

Nine months ended

Sept. 30, 2026

Sept. 30, 2025

Average

Yield /

Average

Yield /

(dollars in thousands)

Balance

Interest

Rate (1)

Balance

Interest

Rate (1)

Assets:

Interest-earning assets:

Loans (2)

7,095,282

382,611

7.21

6,461,679

353,160

7.31

Available-for-sale securities

713,284

17,284

3.24

603,841

11,523

2.55

Held-to-maturity securities

385,246

6,406

2.22

398,188

5,572

1.87

Equity investments

5,947

135

3.03

5,608

124

2.95

Overnight deposits

551,311

15,518

3.76

171,892

5,998

4.67

Other interest-earning assets

24,608

1,104

6.00

28,709

1,436

6.69

Total interest-earning assets

8,775,678

423,058

6.45

7,669,917

377,813

6.59

Non-interest-earning assets

145,924

133,116

Allowance for credit losses

(79,784)

(69,513)

Total assets

8,841,818

7,733,520

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:

Money market and savings accounts

6,050,890

143,771

3.18

5,073,383

144,154

3.80

Certificates of deposit

159,412

4,428

3.71

128,856

4,024

4.18

Total interest-bearing deposits

6,210,302

148,199

3.19

5,202,239

148,178

3.81

Borrowed funds

21,286

893

5.61

326,954

11,725

4.79

Total interest-bearing liabilities

6,231,588

149,092

3.20

5,529,193

159,903

3.87

Non-interest-bearing liabilities:

Non-interest-bearing deposits

1,556,919

1,344,086

Other non-interest-bearing liabilities

126,869

128,004

Total liabilities

7,915,376

7,001,283

Stockholders' equity

926,442

732,237

Total liabilities and equity

8,841,818

7,733,520

Net interest income

273,966

217,910

Net interest rate spread (3)

3.25

2.72

Net interest margin (4)

4.17

3.80

Total cost of deposits (5)

2.55

3.03

Total cost of funds (6)

2.56

3.11

(1) Ratios are annualized.

(2)

Amount includes deferred loan fees and non-performing loans.

(3)

Determined by subtracting the annualized average cost of total interest-bearing liabilities from the annualized average yield on total interest-earning assets.

(4)

Determined by dividing annualized net interest income by total average interest-earning assets.

(5)

Determined by dividing annualized interest expense on deposits by total average interest-bearing and non-interest-bearing deposits.

(6)

Determined by dividing annualized interest expense by the sum of total average interest-bearing liabilities and total average non-interest-bearing deposits.

Reconciliation of Non-GAAP Measures

In addition to the results presented in accordance with Generally Accepted Accounting Principles (“GAAP”), this earnings release includes certain non-GAAP financial measures. Management believes these non-GAAP financial measures provide meaningful information to investors in understanding the Company’s operating performance and trends. These non-GAAP measures have inherent limitations and are not required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for an analysis of results reported under GAAP. These non-GAAP measures may not be comparable to similarly titled measures reported by other companies. Reconciliations of non-GAAP/adjusted financial measures disclosed in this earnings release to the comparable GAAP measures are provided in the following tables:

Quarterly Data

Nine months ended

(dollars in thousands,

Sept. 30,

Jun. 30,

Mar. 31,

Dec. 31,

Sept. 30,

except per share data)

2026

2025

2026

2025

Average assets

9,008,357

8,971,646

8,566,759

8,319,679

7,964,712

8,841,818

7,733,520

Less: average intangible assets

9,733

Average tangible assets (non-GAAP)

8,998,624

8,961,913

8,557,026

8,309,946

7,954,979

8,832,085

7,723,787

Average common equity

984,489

965,023

828,131

735,722

731,281

926,442

732,237

Less: average intangible assets

9,733

Average tangible common equity (non-GAAP)

974,756

955,290

818,398

725,989

721,548

916,709

722,504

Total assets

9,470,920

8,858,683

8,844,124

8,255,716

8,234,430

9,470,920

8,234,430

Less: intangible assets

9,733

Tangible assets (non-GAAP)

9,461,187

8,848,950

8,834,391

8,245,983

8,224,697

9,461,187

8,224,697

Common equity

974,680

968,166

948,339

743,112

732,040

974,680

732,040

Less: intangible assets

9,733

Tangible common equity (book value) (non-GAAP)

964,947

958,433

938,606

733,379

722,307

964,947

722,307

Common shares outstanding

12,285,553

12,395,278

12,392,035

10,088,617

10,382,218

12,285,553

10,382,218

Book value per share (GAAP)

79.34

78.11

76.53

73.66

70.51

79.34

70.51

Tangible book value per share (non-GAAP) (1)

78.54

77.32

75.74

72.69

69.57

78.54

69.57

(1) Determined by dividing tangible book value by common shares outstanding at period-end.

Explanatory Note

Some amounts presented within this document may not recalculate due to rounding.

EX-99.2

Filename: mcb-ex99d2.htm · Sequence: 3

Exhibit 99.2

3Q 2026 Investor Presentation

Contents

Page

Disclosure 2

Performance Metrics 3

Differentiating Factors 7

Loans and Deposits 12

Selected Financial Information and Guidance 19

Disclosure

This presentation contains “forward-looking statements”

within the meaning of the Private Securities Litigation

Reform Act of 1995. Examples of forward-looking

statements include but are not limited to the Company’s

future financial condition and capital ratios, results of

operations and the Company’s outlook, business, share

repurchases under the share repurchase program,

dividend payments and statements related to the

completion of the public offering of common stock and

the use of proceeds from the public offering of

common stock. Forward-looking statements are not

historical facts. Such statements may be identified by

the use of such words as “may,” “believe,” “expect,”

“anticipate,” “plan,” “continue” or similar terminology.

These statements relate to future events or our future

financial performance and involve risks and uncertainties

that are difficult to predict and are generally beyond our

control and may cause our actual results, levels of

activity, performance or achievements to differ

materially from those expressed or implied by these

forward-looking statements. Although we believe that

the expectations reflected in the forward-looking

statements are reasonable, we caution you not to place

undue reliance on these forward-looking statements.

Factors which may cause our forward-looking

statements to be materially inaccurate include, but are

not limited to the following: the interest rate policies of

the Federal Reserve and other regulatory bodies; an

unexpected deterioration in the performance of our

loan or securities portfolios; changes in liquidity,

including the size and composition of our deposit

portfolio and the percentage of uninsured deposits in

the portfolio; unexpected increases in our expenses;

different than anticipated growth and our ability to

manage our growth; global pandemics, or localized

epidemics, could adversely affect the Company’s

financial condition and results of operations; potential

recessionary conditions, including the related effects on

our borrowers and on our financial condition and results

of operations; an unanticipated loss of key personnel or

existing clients, or an inability to attract key employees;

increases in competitive pressures among financial

institutions or from non-financial institutions which may

result in unanticipated changes in our loan or deposit

rates; unanticipated increases in FDIC insurance

premiums or future assessments; legislative, tax or

regulatory changes or actions, which may adversely

affect the Company’s business; impacts related to or

resulting from regional and community bank failures

and stresses to regional banks; changes in deposit flows,

funding sources or loan demand, which may adversely

affect the Company’s business; changes in accounting

principles, policies or guidelines may cause the

Company’s financial condition or results of operation to

be reported or perceived differently; general economic

conditions, including unemployment rates, either

nationally or locally in some or all of the areas in which

the Company does business, or conditions in the

securities markets or the banking industry being less

favorable than currently anticipated; inflation, which

may lead to higher operating costs; declines in real

estate values in the Company’s market area, which may

adversely affect our loan production; an unexpected

adverse financial, regulatory, legal or bankruptcy event

experienced by our non-bank financial service clients or

critical technology service providers; system failures or

cybersecurity breaches of our information technology

infrastructure and/or confidential information or those

of the Company’s third-party service providers;

emerging issues related to the development and use of

artificial intelligence that could give rise to legal or

regulatory action, damage our reputation or otherwise

materially harm our business or clients; failure to

maintain current technologies or technological changes

that may be more difficult or expensive to implement

than anticipated, and failure to successfully implement

future information technology enhancements; the costs,

including the possible incurrence of fines, penalties, or

other negative effects (including reputational harm) of

any adverse judicial, administrative, or arbitral rulings or

proceedings, regulatory enforcement actions, or other

legal actions to which we or any of our subsidiaries are

a party, and which may adversely affect our results; the

current or anticipated impact of military conflict,

terrorism or other geopolitical events; the successful

implementation or consummation of new business

initiatives, which may be more difficult or expensive than

anticipated; the timely and efficient development of new

products and services offered by the Company or its

strategic partners, as well as risks (including reputational

and litigation) attendant thereto, and the perceived

overall value and acceptance of these products and

services by clients; changes in consumer spending,

borrowing or savings habits; the risks associated with

adverse changes to credit quality; an unexpected failure

to successfully manage our credit risk, nonperforming

loan resolutions and the sufficiency of our allowance for

credit losses; credit and other risks from borrower and

depositor concentrations (e.g., by geographic area and

by industry); difficulties associated with achieving or

predicting expected future financial results; and the

potential impact on the Company’s operations and

clients resulting from natural or man-made disasters,

wars, acts of terrorism, cyberattacks and pandemics, as

well as those discussed under the heading “Risk Factors”

in our Annual Report on Form 10-K and Quarterly

Reports on Form 10-Q which have been filed with the

Securities and Exchange Commission under the

Securities Exchange Act of 1934, as amended..

Forward-looking statements speak only as of the date of

this presentation. We do not undertake (and expressly

disclaim) any obligation to update or revise any

forward-looking statement, except as may be required

by law.

Performance Metrics

Metropolitan Commercial Bank Holding

Corporation

The Only True Mid-Sized, Publicly Traded Relationship Driven Commercial Bank Headquartered in NYC

Market data as of September 30, 2026 and June 30, 2026

1 Non-GAAP financial measure. See reconciliation of GAAP to Non-GAAP financial measures starting on slide 26.

2 Annualized.

Recent Events

• Increased quarterly common stock cash dividend from

$0.35 per share to $0.40 per share.

• Park Ave. Headquarters

• Garment District / Times

Square

• Diamond District

• Upper East Side

• Boro Park, Brooklyn

• Great Neck, Long Island

• Lakewood, NJ

• Miami, FL

• West Palm Beach, FL

Nine Strategically Located Banking Centers

3Q 2026 2Q 2026

C los ing Pric e $87.12 $98.76

Market C ap $1,070.32 M $1,224.16 M

B ook Value per S hare $79.34 $78.11

Tangible B ook Value per S hare $78.54 $77.32

P /B ook Value 1.10 x 1.26 x

P /Tangible B ook Value1 1.11 x 1.28 x

P /E 2 9.43 x 11.13 x

As s ets $9.5 B $8.9 B

L oans $7.5 B $7.3 B

Depos its $8.3 B $7.7 B

L oans /Depos its 90.5 % 94.8 %

Net Interes t Margin2 4.36 % 4.08 %

Net C harge-offs / Average L oans 2 0.2 % 2.0 %

E ffic ienc y R atio 49.2 % 55.7 %

P re-tax, P re-P rovis ion Net R evenue /

Average As s ets 1

2.25 % 1.92 %

R OAA2 1.43 % 0.86 %

R OAE 2 13.1 % 8.0 %

R OATC E 1,2 13.2 % 8.1 %

C E T1 C apital R atio 12.8 % 12.9 %

Tier 1 L everage R atio 11.5 % 11.3 %

Total R is k B as ed C apital R atio 13.9 % 14.0 %

TC E /TA1

R atio 10.2 % 10.8 %

100

150

200

250

300

350

400

450

3/30/2023 9/30/2023 4/1/2024 10/2/2024 4/4/2025 10/5/2025 4/7/2026 10/8/2026

Source: Bloomberg

1 Includes CNOB, DCOM, OCFC, PFS and VLY.

2 Cumulative shareholder return (change in stock price plus reinvested dividends).

Outperformance versus peers

Total Return Performance

NYC Middle-Market Banks1, 2

KBW Regional Banking

Index (“KRX”)

Metropolitan

Commercial Bank

159

163

346

10/9/202

Source: FactSet, S&P Global Market Intelligence.

1 CAGR from December 31, 2017 through June 30, 2026.

1* KRX and NYC Middle-Market Banks include growth resulting from acquisitions.

2 KRX Index represents median performance of the KBW Regional Banking Index constituents.

3 Includes CNOB, DCOM, OCFC, PFS and VLY.

4 Non-GAAP financial measure. See reconciliation to GAAP measure in the appendix to this presentation.

5 Performance since November 7, 2017 (MCB offering price of $35.00 per share) through October 9, 2026.

Pre-tax, pre-provision net revenue⁴CAGR¹

2017-2026Q2

Financial Performance Outpacing Peers

Since 2017 IPO

Deposits CAGR¹

2017–2026Q2

Loans CAGR¹

2017–2026Q2

22.2%

8.9%

13.7%

MCB KRX Index² NYC Middle-Market Banks³

Share price performance since IPO⁵

November 7, 2017

Tangible book value per share⁴ CAGR¹

2017–2026Q2

Earnings per share CAGR¹

2017–2026Q2

13.2%

6.3%

3.5%

MCB KRX Index² NYC Middle-Market Banks³

21.7%

9.2%

14.0%

MCB KRX Index² NYC Middle-Market Banks³

21.3%

8.2%

13.0%

MCB KRX Index² NYC Middle-Market Banks³

15.4%

8.9%

6.1%

MCB KRX Index² NYC Middle-Market Banks³

147.5%

26.5%

12.3%

MCB KRX Index² NYC Middle-Market Banks³

, 1* , 1*

Differentiating

Factors

Money

Market &

Savings,

77%

Non-Int.

Bearing

Demand,

22%

EB-5, Title & Escrow, and Time, 1%

Charter Schools, 16%

Municipal,

19%

Bankruptcy

Trustees, 6%

Property Managers, 20%

Deposits

from Loan

Customers,

16%

Retail

Deposits,

23%

Skilled

Nursing

CRE and

C&I, 46%

Other C&I,

Other Owner

Occupied CRE, 1%

Non Owner

Occupied

CRE, 43%

Consumer & 1-4

Family, 1%

Highly Diversified Franchise

Total Deposits

$8.3B

Manhattan,

15%

Brooklyn,

Bronx,

Queens, 24%

Long Is., 5%

NJ, 11%

FL, 17%

Other

US, 28%

Loan Portfolio

Sept 30, 2026

Total Loans

$7.6B

Total Deposits

$8.3B

Deposits

Sept 30, 2026

Total Loans

$7.6B

• Active in Healthcare lending since 2002

with no realized losses since entering this

space and no deferrals during the

pandemic.

• Skilled Nursing Facilities ("SNF") highly

insulated from economic cycles by state

funded payments.

• All other portfolios are well-diversified

across multiple property types and

industries

• Branch-lite model driven by technology

integrations and high-quality service.

• We target industries that are in

possession of, or have discretion over,

large sums of money.

• Diversification across deposit verticals is

a key strategy for managing and

reducing execution risk.

• 3Q 2026 Cost of deposits: 2.49%

1.00%

1.83% 2.16%

0.36%

0.08%

1.68%

5.03% 5.15%

4.21%

3.65%

4.57% 4.78%

5.09%

4.73% 4.80%

5.33%

6.70% 6.53%

7.31% 7.21%

0.47%

0.58%

1.10%

0.43%

0.27%

0.49%

2.43%

3.22% 2.95%

2.55%

3.52% 3.70% 3.46% 3.26%

2.77%

3.49% 3.49% 3.53%

3.88%

4.17%

2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD 2026

Average Fed Funds Rate¹

Average Total Cost of Deposits

8.8% 8.9%

10.6% 10.8%

10.2%

3Q 20254Q 2025 1Q 2026 2Q 20263Q 2026

Highly Liquid and Resilient Balance Sheet

73%

Insured deposits

Deposits

($ bn)

TCE/TA Ratio1

Non-interest bearing

Deposit %

Deposit Profile

at Sept 30, 2026

185%

Uninsured Deposit

Coverage Ratio2

BBB+

Kroll Deposit Rating

January 2026

Relationship Driven Commercial Bank

with Strong Client Execution

• Our Business Bankers have deep

knowledge and expertise across

multiple industries (e.g. law firms,

resident healthcare, real estate

property management, U.S.

Trustee and Municipalities).

• Full suite of retail financial service

products targeting small and

middle-market

commercial

businesses.

• Commercial Lending group

offers an array of commercial

and industrial lending products

providing our clients with custom

lending solutions.

• Commercial Real Estate ("CRE")

Lending group has proven track

record of successfully navigating

today's complex real estate

market.

White-glove

concierge

service

and a full suite of

digital banking

services allowing

clients to easily manage

their everyday

banking needs.

Modern

Banking

in Motion

Digital

Transformation

supports future

business expansion,

drives efficiencies and

enables better client

experience.

Our core competencies are:

• Helping clients build and sustain generational

wealth.

• Offering a full range of banking and innovative

financial services to businesses and individuals

embracing an ever-evolving digital banking era.

• Delivering enhanced client experiences through

an innovative technology platform.

• Providing modern and robust internal

capabilities for our employees to support future

business expansion and back-office efficiencies.

Loans and Deposits

1 Before deferred fees and unamortized costs.

2 Certain prior period amounts adjusted to conform to current presentation.

3 Excludes owner-occupied.

4 Mobile Home Parks, Residential Condos/Co-ops, Temporary Shelters, Religious Orgs., Parking Lots and Garages, Restaurants and Entertainment Facilities

* Includes commercial real estate, multifamily and construction loans.

Loan Portfolio Growth and

Diversification

$7.6 billion Gross Loan Portfolio1, 2

Sept 30, 2026 | $ millions

Diversified Loan Portfolio

September 30, 2026

44%

5% 5% 5%

11%

44% CRE: Skilled Nursing

Facility (SNF)

5% CRE: Hospitality

5% CRE: Mixed Use

5% CRE: Multifamily

5% CRE:Office

5% CRE:Retail

4% CRE:Schools

3% CRE: Construction

3% CRE:Land

2% CRE: Industrial

7% CRE: Other⁴

11% C&I

1% 1-4 family

$3,201 $3,147 $3,216 $3,255 $3,240

$2,547 $2,713 $2,851

$3,169 $3,367

$953 $872

$903

$831

$853

$99 $97

$95

$94

$92

$6,800 $6,829

$7,065

$7,349

$7,552

3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026

Consumer & 1-4

Family

16%

11%

10% 8%

24%

16% Manhattan

16% Florida

11% New Jersey

10% Brooklyn

8% Bronx

8% Queens

4% Long Island

3% Other NY

24% Other States

50%

11%

50% Skilled Nursing

Facilities

6% Hospitality

6% Multifamily

6% Office

6% Retail

5% Mixed Use

4% Construction

4% Land

2% Industrial

11% Other CRE

Relationship-Based

Commercial Real Estate Lending

Target Market

• New York metropolitan area real estate entrepreneurs

with a net worth in excess of $50 million

• Primarily concentrated in the New York MSA

• Well-diversified across multiple property types

Key Metrics

September 30, 2026

• Weighted average LTV of 64%

• Owner occupied – 51%

Composition by Type

September 30, 2026

Composition by Region

September 30, 2026

Vast majority of loans are originated through direct relationships or existing client referrals.

Total CRE loans: $6.6 billion

$229 $219 $207 $210 $235

$237 $212 $252 $186 $191

$162

$140 $118

$101 $116

$104

$91 $92

$82

$94

$86

$75 $90

$108

$104

$65

$60 $61

$60

$39

$27

$26 $27

$11

$43

$49 $56

$73 $63

$953

$872 $903

$831 $853

3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026

Other

Manufacturing

Wholesale

Services

Other Healthcare

Individuals

Skilled Nursing Facilities

Finance & Insurance

Expertise in Specific Verticals Drive

Commercial & Industrial Lending

C&I Composition

September 30, 2026

Target Market

September 30, 2026

• Middle market businesses with revenues up to $400 million

• Well-diversified across industries

Key Metrics

• Strong historical credit performance

- Pledged collateral and/or personal guarantees from high-net-worth individuals support most loans

- Target borrowers have strong historical cash flows, and good

asset coverage

28%

22%

14%

12%

11%

28% Finance & Insurance

22% Skilled Nursing

Facilities

14% Individuals

12% Services

11% Other Healthcare

5% Wholesale Trade

1% Manufacturing

7% Other

1 Certain prior period amounts adjusted to conform to current presentation.

C&I Portfolio1 $853 mm

September 30, 2026 | $ millions

C&I Healthcare Composition | Sept 30, 2026

Diversified Healthcare Portfolio

• Active in Healthcare lending since 2002 with no

realized losses since entering this space and no

deferrals during the pandemic.

• Stabilized SNF – 71% of CRE SNF portfolio. Stabilized

facilities provide cash flows adequate to support debt

service and collateral value. Borrowers’ primary motive

for acquisition of a stabilized property is for synergies

with existing portfolio of SNFs. Weighted average debt

service coverage ratio is 1.9x.

• Transitional Non-stabilized SNF – are typically value-add opportunities that may have underlying issues that

can be remediated. By implementing operational and

management changes, enhancing the quality of care,

improving the payor mix, and optimizing efficiency,

experienced operators can increase the facility's

profitability and value. Operators that have a strong

market share in the region can negotiate higher

reimbursement rates by working with payers, such as

Medicare and Medicaid, to negotiate higher

reimbursement rates for the services provided by the

SNF.

67%

12%

2%4%

67% SNF

12% Home Health Care

Services

8% Outpatient Care

Centers

7% Medical Labs

2% Continuing Care

Retirement Communities

4% All Other Healthcare

CRE SNF

$3.3 billion

C&I Other

$94 mm

Healthcare Composition | September 30, 2026

Total Healthcare

loans: $3.6 billion

Total C&I Healthcare

loans: $285 mm

Overview

Sept 30, 2026

C&I SNF

$191 mm

C&I Skilled Nursing Facility Exposure by State

Sept 30, 2026

Geographically Diversified Skilled Nursing

Facility Portfolio

CRE Skilled Nursing Facility Exposure by State

Sept 30, 2026

24%

20%

17%

10%

23% 24% Florida

20% New York

17% New Jersey

10% North Carolina

6% Indiana

23% Other States

24%

23%

19%

23%

24% New York

23% Florida

19% New Jersey

6% Tennessee

5% Indiana

23% Other

Total CRE SNF loans:

$3.3 billion

Total C&I SNF

loans: $191 mm

• CRE – Skilled Nursing Facilities (“SNF”) – average LTV

of 74%.

• Highly selective regarding the quality of SNF

Operators that we finance.

• Borrowers are very experienced operators that

typically have in excess of 1,000 beds under

management and strong cash flows. Many further

supported by vertically integrated related businesses.

• Loans are made primarily in “certificate of need”

states which limits the supply of beds and supports

stable occupancy rates.

• New York had Medicaid reimbursement rate

increases of 4.4% and 6.5% in 2024 and 2023,

respectively.1

• Florida had Medicaid reimbursement rate increase of

8.0% in 2024, with an additional 8% in 2025.1

Overview

Sept 30, 2026

1 Source: Zimmet Healthcare Services Group LLC

$2,053 $2,081 $2,004 $1,858 $1,893

$1,294 $1,306 $1,332 $1,372 $1,359

$413 $425 $429 $437 $489

$1,409 $1,439 $1,520 $1,563 $1,634

$1,340 $1,478 $1,659 $1,548 $1,545

$564

$648

$795 $953

$1,401

$7,073

$7,377

$7,739 $7,731

$8,321

3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026

EB-5, Title & Escrow, & Charter

Schools

Municipal

Property Managers

Bankruptcy Trustees

Deposits from Loan Customers

Retail Deposits

$8.3 Billion Total Deposits

Sept 30, 2026 | $ millions*

Deposit Composition

* Certain prior period amounts adjusted to conform to current presentation.

Selected Financial

Information

Proven High Growth Business Model

Loans1

| $ millions

$3,830

$6,436

$5,278 $5,737 $5,983

$7,377

$8,321

2020 2021 2022 2023 2024 2025 Q3 2026

Deposits

| $ millions

$142

$181

$256 $251

$277

$315

$282

2020 2021 2022 2023 2024 2025 YTD 2026

Revenue

| $ millions

$39

$60 $59

$77

$67 $71

$83

2020 2021 2022⁴ 2023⁵ 2024⁶ 2025 YTD 2026

Net Income

| $ millions

$3,137

$3,732

$4,841

$5,625 $6,034

$6,810

$7,534

2020 2021 2022 2023 2024 2025 Q3 2026

1 Loans, net of deferred fees and costs.

2 CAGR from December 31, 2020 through September 30, 2026.

3 CAGR from December 31, 2020 through December 31, 2025.

4 Includes a $35.0 million charge for a regulatory settlement reserve in the fourth quarter of 2022.

Includes a $5.5 million reversal of the regulatory settlement reserve.

Includes a $10.0 million regulatory reserve recorded in the third quarter of 2024

Return on Average Assets

Highly Profitable, Scalable Model

* Annualized

1 Non-GAAP financial measure. See reconciliation of GAAP to Non-GAAP financial

measures starting on slide 26.

2 Total non-interest expense divided by Total revenues.

Includes a $35.0 million charge for a regulatory settlement reserve.

Includes a $5.5 million reversal of the regulatory settlement reserve.

⁵ Includes a $10.0 million regulatory reserve recorded in the third quarter of 2024.

Efficiency ratio2

12.9%

15.2%

10.4%

12.6%

9.7% 9.8%

12.1%

2020 2021 2022³ 2023⁴ 2024⁵ 2025 YTD 2026*

ROATCE1

52.5%

48.3%

58.2%

52.5%

62.7%

55.9%

52.4%

2020 2021 2022³ 2023⁴ 2024⁵ 2025 YTD 2026*

Net Interest Margin

3.26%

2.77%

3.49% 3.49% 3.53%

3.88%

4.17%

2020 2021 2022 2023 2024 2025 YTD 2026*

1.02% 1.06% 0.90%

1.19%

0.91% 0.90%

1.26%

2020 2021 2022 2023 2024 2025 YTD 2026*

0.53% 0.54% 0.54% 0.60%

1.20% 1.28%

1.01%

0.91% 0.95%

Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26

Non-Performing Loans/Loans

Credit Metrics

NCOs/Average Loans1

ACL/Loans Non-Performing Loans/ACL

0.01% 0.00% 0.00% 0.00%

0.22%

0.00%

0.73%

1.95%

0.18%

Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26

1.06% 1.05% 1.07% 1.12%

1.39% 1.43%

1.16%

0.85% 0.85%

Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26

49.6% 51.5% 50.9% 53.9%

86.5% 89.5% 86.6%

108.0% 111.7%

Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26

1 Annualized

Capital Ratios*

Common Equity Tier 1 Capital Ratio

10.1%

14.1%

12.1% 11.5% 11.9%

10.7%

12.8%

2020 2021 2022¹ 2023² 2024³ 2025 Q3 2026

Minimum to be "Well Capitalized" (8%)

* These capital ratios are for Metropolitan Bank Holding Corp.

Includes a $35.0 million charge for a regulatory settlement reserve.

Includes a $5.5 million reversal of the regulatory settlement reserve.

Includes a $10.0 million regulatory reserve recorded in the third quarter of 2024.

⁴ Non-GAAP financial measure. See reconciliation of GAAP to Non-GAAP financial

measures starting on slide 26.

Tier 1 Leverage Ratio

8.5% 8.5%

10.2% 10.6% 10.8%

9.5%

11.5%

2020 2021 2022¹ 2023² 2024³ 2025 Q3 2026

Minimum to be "Well Capitalized" (5%)

12.7%

16.1%

13.4% 12.8% 13.3%

12.3%

13.9%

2020 2021 2022¹ 2023² 2024³ 2025 Q3 2026

Minimum to be "Well Capitalized" (10%)

Total Risk-Based Capital Ratio TCE / TA4

7.5% 7.7%

9.0% 9.2% 9.9%

8.9%

10.2%

2020 2021 2022¹ 2023² 2024³ 2025 Q3 2026

Conservatively Underwritten, Geographically

Diversified CRE Office Portfolio

Office by Region

September 30, 2026

38%

17% 5%

32%

38% Manhattan

17% Brooklyn

5% Queens

2% Bronx

32% NY Metro Area

(outside NYC)

6% Non NY Metro Area

Overview

September 30, 2026

• Total Office loans: $393mm

• Weighted average LTV of 53%

• Weighted average occupancy rate of 80%*

• Weighted average debt service coverage ratio of 1.7x*

• Manhattan loans originated since March 2022 is 100%

• Owner-occupied is 8.0%

• Varying levels of recourse on approximately 61% of

loans

* Excluding owner-occupied office properties.

1 Based on Outstanding Balance.

2 Single loan with "as is" LTV of 62%.

Occupancy by Region

September 30, 2026

Maturity Schedule

September 30, 2026| $ millions

37%

79%

70%

42%

88%

89%

Non NY Metro Area

NY Metro Area

(outside NYC)

Bronx

Queens²

Brooklyn

Manhattan

2026 2027 Thereafter Total

Outstanding Balance $59 $198 $136 $393

Commitment Amount $59 $202 $137 $398

Avg. Commitment Size $12 $11 $6 $9

LTV1 47% 54% 53% 53%

Nonperforming 0% 0% 0% 0%

WAC 6.0% 5.8% 6.5% 6.1%

Conservatively Underwritten

Multi-family Portfolio

Overview

September 30, 2026 | $ millions

Stabilized1 Maturity Schedule

September 30, 2026 | $ millions

Origination Vintage

September 30, 2026

• Total Multi-family loans: $412mm

• Weighted average LTV of 52%

• Recourse on 62% of Total; recourse on 84% of

Transitional

• Rent regulated 40% of Total

• Rent regulated have weighted average LTV of 42%

• Stabilized weighted average debt service coverage ratio

of 2.2x

Transitional1 Maturity Schedule

September 30, 2026 | $ millions

1 Stabilized facilities provide cash flows adequate to support debt service and collateral value. Transitional are value-add

opportunities that may have historic underlying issues or challenges that can be addressed and improved upon.

2 Based on Outstanding Balance.

1% 12%

87%

% of $412mm Outstanding

Balance

2017 - 2019

2020 - 2021

2022 - 2026

2026 2027 Thereafter Total

Outstanding Balance $42 $59 $43 $144

Commitment Amount $42 $59 $43 $144

Avg. Commitment Size $3 $15 $14 $7

LTV2 52% 69% 53% 59%

Rent Regulated2 33% 0% 0% 10%

With Recourse2 84% 71% 100% 84%

Nonperforming 55% 0% 0% 16%

WAC 5.3% 6.4% 6.2% 6.0%

2026 2027 Thereafter Total

Outstanding Balance $61 $60 $147 $268

Commitment Amount $61 $60 $153 $274

Avg. Loan Size $8 $5 $5 $5

LTV2 62% 54% 39% 47%

Rent Regulated2 75% 63% 47% 57%

With Recourse2 74% 66% 34% 50%

Nonperforming 0% 0% 0% 0%

WAC 6.5% 5.8% 5.1% 5.6%

Reconciliation of GAAP to Non-GAAP

Measures

1 Tangible common equity divided by common shares outstanding at period-end.

2 Total revenues equal net interest income plus non-interest income.

In addition to the results presented in accordance with Generally Accepted Accounting Principles (“GAAP”), this earnings presentation includes certain non-GAAP financial measures. Management believes these

non-GAAP financial measures provide meaningful information to investors in understanding the Company’s operating performance and trends. These non-GAAP measures have inherent limitations and are not

required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for an analysis of results reported under GAAP. These non-GAAP measures may not be

comparable to similarly titled measures reported by other companies. Reconciliations of non-GAAP/adjusted financial measures disclosed in this earnings presentation to the comparable GAAP measures are

provided in the accompanying tables.

$ thousands, exc ept per shar e data Q3 2026 Q2 2026 Q1 2026 2025 2024 2023 2022

A verage as s ets $ 9,008,357 $8,971,646 $8,566,759 $7,880,760 $7,293,445 $6,506,614 $6,621,631

Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733

A verage tangible as s ets $ 8,998,624 $8,961,913 $8,557,026 $7,871,027 $7,283,712 $6,496,881 $6,611,898

A verage equity $ 984,489 $ 965,023 $ 828,131 $ 732,611 $ 694,154 $ 621,006 $ 578,787

Les s : A verage preferred equity — — — — — — —

A verage common equity 984,489 965,023 828,131 732,611 694,154 621,006 578,787

Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733

A verage tangible common equity $ 974,756 $ 955,290 $ 818,398 $ 722,878 $ 684,421 $ 611,273 $ 569,054

Total as s ets $ 9,470,920 $8,858,683 $8,844,124 $8,255,716 $7,300,749 $7,067,672 $6,267,337

Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733

Tangible as s ets $ 9,461,187 $8,848,950 $8,834,391 $8,245,983 $7,291,016 $7,057,939 $6,257,604

Total Equity $ 974,680 $ 968,166 $ 948,339 $ 743,112 $ 729,827 $ 659,021 $ 575,897

Les s : preferred equity — — — — — — —

Common Equity 974,680 968,166 948,339 743,112 729,827 659,021 575,897

Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733 9,733 9,733

Tangible common equity (book value) $ 964,947 $ 958,433 $ 938,606 $ 733,379 $ 720,094 $ 649,288 $ 566,164

Tangible common equity (book value) divided by: $ 964,947 $ 958,433 $ 938,606 $ 733,379 $ 720,094 $ 649,288 $ 566,164

Tangible as s ets $ 9,461,187 $8,848,950 $8,834,391 $8,245,983 $7,291,016 $7,057,939 $6,257,604

Tangible common equity (book value) to Tangible as s ets ratio 10.2% 10.8% 10.6% 8.9% 9.9% 9.2% 9.0%

Net income divided by: $ 32,437 $ 19,223 $ 31,426 $ 71,098 $ 66,686 $ 77,268 $ 59,425

A verage tangible common equity $ 974,756 $ 955,290 $ 818,398 $ 722,878 $ 684,421 $ 611,273 $ 569,054

Return on average tangible common equity* 13.2% 8.1% 15.6% 9.8% 9.7% 12.6% 10.4%

Common s hares outs tanding 12,285,553 12,395,278 12,392,035 10,088,617 11,197,625 11,062,729 10,949,965

Book value per s hare (GA A P) $ 79.34 $ 78.11 $ 76.53 $ 73.66 $ 65.18 $ 59.57 $ 52.59

Tangible book value per s hare (non-GA A P)¹ $ 78.54 $ 77.32 $ 75.74 $ 72.69 $ 64.31 $ 58.69 $ 51.70

Total R evenue (GA A P)² $ 100,563 $ 93,010 $ 88,490 $ 315,106 $ 276,913 $ 250,739 $ 255,751

Les s : Non-interes t expens e 49,490 51,802 46,400 176,005 173,575 131,538 148,737

Les s : Gain (los s ) on s ale of s ecurities — — — 674 — — —

Pre-tax, pre-provis ion net revenue $ 51,073 $ 41,208 $ 42,090 $ 138,427 $ 103,338 $ 119,201 $ 107,014

*Periods les s than one year are annualiz ed.

For Ye ar Ending

Reconciliation of GAAP to Non-GAAP

Measures, Continued

1 Tangible common equity divided by common shares outstanding at period-end.

2 Total revenues equal net interest income plus non-interest income.

required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for an analysis of results reported under GAAP. These non-GAAP measures may not be

provided in the accompanying tables.

$ thousands, exc ept per share data 2021 2020 2019 2018 2017

A verage as s ets $5,724,230 $3,863,013 $2,846,959 $1,951,982 $1,524,202

Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733

A verage tangible as s ets $5,714,497 $3,853,280 $2,837,226 $1,942,249 $1,514,469

A verage equity $ 413,212 $ 320,617 $ 282,604 $ 251,030 $ 133,462

Les s : A verage preferred equity 4,585 5,502 5,502 5,502 5,502

A verage common equity 408,627 315,115 277,102 245,528 127,960

Les s : average intangible as s ets 9,733 9,733 9,733 9,733 9,733

A verage tangible common equity $ 398,894 $ 305,382 $ 267,369 $ 235,795 $ 118,227

Total as s ets $7,116,358 $4,330,821 $3,357,572 $2,182,644 $1,759,855

Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733

Tangible as s ets $7,106,625 $4,321,088 $3,347,839 $2,172,911 $1,750,122

Total Equity $ 556,989 $ 340,787 $ 299,124 $ 264,517 $ 236,884

Les s : preferred equity — 5,502 5,502 5,502 5,502

Common Equity 556,989 335,285 293,622 259,015 231,382

Les s : intangible as s ets 9,733 9,733 9,733 9,733 9,733

Tangible common equity (book value) $ 547,256 $ 325,552 $ 283,889 $ 249,282 $ 221,649

Tangible common equity (book value) divided by: $ 547,256 $ 325,552 $ 283,889 $ 249,282 $ 221,649

Tangible as s ets $7,106,625 $4,321,088 $3,347,839 $2,172,911 $1,750,122

Tangible c ommon equity (book value) to Tangible as s ets ratio 7.7% 7.5% 8.5% 11.5% 12.7%

Net income divided by: $ 60,555 $ 39,466 $ 30,134 $ 25,554 $ 12,369

A verage tangible c ommon equity $ 398,894 $ 305,382 $ 267,369 $ 235,795 $ 118,227

Return on average tangible common equity* 15.2% 12.9% 11.3% 10.8% 10.5%

Common s hares outs tanding 10,920,569 8,295,272 8,312,918 8,217,274 8,196,310

Book value per s hare (GA A P) $ 51.00 $ 40.42 $ 35.32 $ 31.52 $ 28.23

Tangible book value per s hare (non-GA A P)¹ $ 50.11 $ 39.25 $ 34.15 $ 30.34 $ 27.04

Total Revenue (GA A P)² $ 180,698 $ 141,924 $ 108,239 $ 83,177 $ 63,382

Les s : Non-interes t expens e 87,312 74,518 59,955 43,471 32,745

Les s : Gain (los s ) on s ale of s ec urities 609 3,286 — (37) —

Pre-tax, pre-provis ion net revenue $ 92,777 $ 64,120 $ 48,284 $ 39,743 $ 30,637

*Periods les s than one year are annualiz ed.

For Ye ar Ending

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v3.26.3

Document and Entity Information

Oct. 20, 2026

Document and Entity Information [Abstract]

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8-K

Document Period End Date

Oct. 20, 2026

Entity Registrant Name

METROPOLITAN BANK HOLDING CORP.

Entity Incorporation, State or Country Code

Entity File Number

001-38282

Entity Tax Identification Number

13-4042724

Entity Address, Address Line One

99 Park Avenue

Entity Address, City or Town

New York

Entity Address State Or Province

Entity Address, Postal Zip Code

10016

City Area Code

212

Local Phone Number

659-0600

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false

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Common Stock, par value $0.01 per share

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MCB

Security Exchange Name

NYSE

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0001476034

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