Metropolitan Commercial Bank
Total assets
$8.86B
▲ +12.8% YoY
Deposits
$7.78B
▲ +13.9% YoY
Loans
$7.27B
▲ +11.1% YoY
Offices
11
METROPOLITAN BANK HOLDING CORP
ROA (annualized)
1.23%
peers 1.26%
ROE (annualized)
12.09%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +5.5% | +7.3 pts |
| Deposit growth (YoY) | +13.9% | +5.1% | +8.9 pts |
| Loan growth (YoY) | +11.1% | +5.9% | +5.2 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 12.1% | 12.2% | -0.1 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FED
- Holding company
- METROPOLITAN BANK HOLDING CORP
- Specialization
- Commercial Lending Specialization
- Address
- 99 Park Ave, New York, NY, 10016
- County
- New York
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 11
- FDIC cert #
- 34699
- RSSD ID
- 2705895
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.86B | $7.78B | $7.27B | $967.2M | $53.2M | 1.23% | 4.20% | 0.76% |
| Q1 2026 | $8.84B | $7.79B | $6.96B | $946.4M | $32.6M | 1.53% | 4.14% | 0.80% |
| Q4 2025 | $8.25B | $7.43B | $6.71B | $726.7M | $76.4M | 0.97% | 4.00% | 1.05% |
| Q3 2025 | $8.23B | $7.14B | $6.69B | $719.6M | $46.4M | 0.80% | 3.88% | 0.99% |
| Q2 2025 | $7.85B | $6.83B | $6.54B | $727.7M | $38.1M | 1.00% | 3.84% | 0.51% |
| Q1 2025 | $7.61B | $6.53B | $6.27B | $710.7M | $18.0M | 0.97% | 3.72% | 0.45% |
| Q4 2024 | $7.30B | $6.02B | $5.97B | $731.7M | $71.3M | 0.98% | 3.64% | 0.45% |
| Q3 2024 | $7.40B | $6.32B | $5.83B | $718.1M | $48.7M | 0.89% | 3.59% | 0.42% |
Loan mix (Q2 2026): real estate $6.49B · commercial $830.8M · consumer $9.3M · securities $1.09B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.70% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 59.0% | 29th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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