MCB on NYSE

Metropolitan Bank Holding Corp.

American state commercial bank based in Ridgeland, no longer active.

Price unavailable

Last updated Oct 18, 2026.

Overview

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TickerMCB on NYSE
IndustryState Commercial Banks
HeadquartersRidgeland, United States
Incorporated inNY²
Business address99 Park Avenue, New York, Ny 10016²
Filer categoryAccelerated filer²

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

643.2%Net margin³

-53.8%Revenue growth, 2025³

9.6%Return on equity³

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Deposit Account brought in 76% of the revenue Metropolitan Bank Holding Corp. broke down this way in fiscal 2025.

Deposit Account$8.4M³76%up 1% from 2024
Financial Service, Other$2.7M³24%up 15% from 2024

Products and services by year

Products and services	2023	2024	2025
Deposit Account	$6.1M	$8.3M	$8.4M
Financial Service, Other	$2.8M	$2.3M	$2.7M

Where the money goes

Where each dollar of revenue went, fiscal 2025

Income taxProfit

Income tax30¢$30.4M
Profit70¢$71.1M

Out of $11.1M in revenue.³

Where each dollar of operating cash went, fiscal 2025

Share buybacksKept or used elsewhere

Dividends paid4¢$3.1M
Share buybacks83¢$73.5M
Kept or used elsewhere14¢$12.1M

Out of $88.7M of cash from operations.³

Financial statements

Revenue⁴⁵⁶³$11.1M in 2025−19% since 2020

Net income⁷⁴⁵⁶³$71.1M in 2025+136% since 2019

Every line of the income statement as filed: the last 3 fiscal years, latest first.³

Period ending	2025-12-31	2024-12-31	2023-12-31
Loans, including fees	$480.5M	$429.7M	$345.0M
Securities	$23.6M	$21.4M	$18.5M
Overnight deposits	$9.3M	$15.0M	$9.3M
Other interest and dividends	$1.8M	$2.2M	$2.5M
Total interest income	$515.3M	$468.4M	$375.4M
Deposits	$198.8M	$198.0M	$128.7M
Borrowed funds	$11.9M	$15.8M	$22.4M
Trust preferred securities	$1.3M	$1.5M	$1.5M
Total interest expense	$212.0M	$215.3M	$152.6M
Net interest income	$303.2M	$253.1M	$222.8M
Provision for credit losses	$37.6M	$6.3M	$12.3M
Net interest income after provision for credit losses	$265.6M	$246.8M	$210.6M
Non-interest income	$11.1M	$23.9M	$27.9M
Other income	$3.5M	$2.2M	$2.8M
Total non-interest income	$11.9M	$23.8M	$27.9M
Compensation and benefits	$84.0M	$77.9M	$67.0M
Bank premises and equipment	$10.3M	$9.7M	$9.3M
Professional fees	$14.9M	$21.3M	$18.1M
Technology costs	$17.1M	$11.0M	$4.9M
Deposit related program fees	$24.0M	$16.8M	$13.1M
FDIC assessments	$9.5M	$11.8M	$9.1M
Regulatory settlement reserve		$9.5M	-$5.5M
Other expenses	$16.0M	$15.6M	$15.6M
Total non-interest expense	$176.0M	$173.6M	$131.5M
Net income before income tax expense	$101.5M	$97.1M	$106.9M
Income tax expense	$30.4M	$30.4M	$29.6M
Net income	$71.1M	$66.7M	$77.3M
Basic earnings (in dollars per share)	$6.71	$5.97	$6.95
Diluted earnings (in dollars per share)	$6.62	$5.93	$6.91

Total assets⁷¹⁰⁴⁵⁶³$8.3B in 2025+146% since 2019

Total liabilities⁷¹⁰⁴⁵⁶³$7.5B in 2025+146% since 2019

Shareholders’ equity⁴⁵⁶³$743.1M in 2025+148% since 2019

Cash⁷¹⁰⁴⁵⁶³$393.6M in 2025+1% since 2019

Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.³

Period ending	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Cash and due from banks	$12.1M	$13.1M
Overnight deposits	$381.5M	$187.2M
Total cash and cash equivalents	$393.6M	$200.3M
Investment securities available-for-sale, at fair value	$578.9M	$482.1M
Investment securities held-to-maturity (estimated fair value of $313.1 million and $366.7 million at December 31, 2025 and December 31, 2024, respectively)	$356.6M	$428.6M
Equity investment securities, at fair value	$5.6M	$5.1M
Total securities	$941.2M	$915.8M
Other investments	$20.6M	$30.6M
Loans, net of deferred fees and costs	$6.8B	$6.0B
Allowance for credit losses	-$97.1M	-$63.3M	-$58.0M
Net loans	$6.7B	$6.0B
Other assets	$187.2M	$183.3M
Total assets	$8.3B	$7.3B
Noninterest-bearing demand deposits	$1.5B	$1.3B
Interest-bearing deposits	$5.9B	$4.6B
Total deposits	$7.4B	$6.0B
Federal funds purchased		$210.0M
Federal Home Loan Bank of New York advances		$240.0M
Trust preferred securities	$20.6M	$20.6M
Secured and other borrowings	$11.0M	$7.4M
Other liabilities	$103.8M	$109.9M
Total liabilities	$7.5B	$6.6B
Common stock, $0.01 par value, 25,000,000 shares authorized, 11,300,191 and 11,197,625 shares issued; and 10,088,617 and 11,197,625 shares outstanding at December 31, 2025 and December 31, 2024, respectively	$113.0K	$112.0K
Additional paid in capital	$405.6M	$400.2M
Retained earnings	$450.6M	$382.7M
Accumulated other comprehensive income (loss), net of tax	-$39.7M	-$53.1M
Treasury stock, at cost, 1,211,574 and 0 shares at December 31, 2025 and December 31, 2024, respectively	-$73.5M
Total stockholders' equity	$743.1M	$729.8M	$659.0M	$575.9M
Total liabilities and stockholders' equity	$8.3B	$7.3B
Securities held-to-maturity	$313.1M	$366.7M
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized (in shares)	25.0M shares	25.0M shares
Common stock, shares issued (in shares)	11.3M shares	11.2M shares
Common stock, shares outstanding (in shares)	10.1M shares	11.2M shares
Treasury stock, shares outstanding (in shares)	1.2M shares	0 shares

Period ending	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Cash and due from banks	$12.1M	$13.1M
Overnight deposits	$381.5M	$187.2M
Total cash and cash equivalents	$393.6M	$200.3M
Investment securities available-for-sale, at fair value	$578.9M	$482.1M
Investment securities held-to-maturity (estimated fair value of $313.1 million and $366.7 million at December 31, 2025 and December 31, 2024, respectively)	$356.6M	$428.6M
Equity investment securities, at fair value	$5.6M	$5.1M
Total securities	$941.2M	$915.8M
Other investments	$20.6M	$30.6M
Loans, net of deferred fees and costs	$6.8B	$6.0B
Allowance for credit losses	-$97.1M	-$63.3M	-$58.0M
Net loans	$6.7B	$6.0B
Other assets	$187.2M	$183.3M
Total assets	$8.3B	$7.3B
Noninterest-bearing demand deposits	$1.5B	$1.3B
Interest-bearing deposits	$5.9B	$4.6B
Total deposits	$7.4B	$6.0B
Federal funds purchased		$210.0M
Federal Home Loan Bank of New York advances		$240.0M
Trust preferred securities	$20.6M	$20.6M
Secured and other borrowings	$11.0M	$7.4M
Other liabilities	$103.8M	$109.9M
Total liabilities	$7.5B	$6.6B
Common stock, $0.01 par value, 25,000,000 shares authorized, 11,300,191 and 11,197,625 shares issued; and 10,088,617 and 11,197,625 shares outstanding at December 31, 2025 and December 31, 2024, respectively	$113.0K	$112.0K
Additional paid in capital	$405.6M	$400.2M
Retained earnings	$450.6M	$382.7M
Accumulated other comprehensive income (loss), net of tax	-$39.7M	-$53.1M
Treasury stock, at cost, 1,211,574 and 0 shares at December 31, 2025 and December 31, 2024, respectively	-$73.5M
Total stockholders' equity	$743.1M	$729.8M	$659.0M	$575.9M
Total liabilities and stockholders' equity	$8.3B	$7.3B
Securities held-to-maturity	$313.1M	$366.7M
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized (in shares)	25.0M shares	25.0M shares
Common stock, shares issued (in shares)	11.3M shares	11.2M shares
Common stock, shares outstanding (in shares)	10.1M shares	11.2M shares
Treasury stock, shares outstanding (in shares)	1.2M shares	0 shares

Cash from operations⁷⁴⁵⁶³$88.7M in 2025+128% since 2019

Every line of the cash flow as filed: the last 3 fiscal years, latest first.³

Period ending	2025-12-31	2024-12-31	2023-12-31
Net income	$71.1M	$66.7M	$77.3M
Net depreciation, amortization, and accretion	-$11.1M	-$11.4M	$7.1M
Provision for credit losses	$37.6M	$6.3M	$12.3M
Stock-based compensation	$8.9M	$8.9M	$9.8M
Other, net	-$1.2M	-$3.0M	-$75.0K
Deferred income tax (benefit) expense	-$9.3M	-$2.8M	-$2.8M
Receivable from global payments, net		$87.6M	-$2.0M
Third-party debit cardholder balances		-$10.2M	-$401.0K
Other assets	-$4.0M	-$4.1M	-$30.0M
Other liabilities	-$3.5M	$10.4M	-$28.7M
Net cash provided by (used in) operating activities	$88.7M	$148.5M	$42.4M
Loan originations and payments, net	-$765.8M	-$395.4M	-$789.7M
Redemptions of FRB and FHLB Stock	$36.6M	$48.3M	$152.4M
Purchases of FRB and FHLB Stock	-$26.6M	-$40.0M	-$169.3M
Purchase of securities available-for-sale	-$199.1M	-$72.8M	-$46.8M
Purchase of securities held-for-investment			-$24.6M
Proceeds from sales and calls of securities available-for-sale	$18.4M
Proceeds from paydowns and maturities of securities available-for-sale	$108.4M	$53.2M	$42.3M
Proceeds from paydowns and maturities of securities held-to-maturity	$71.4M	$39.7M	$66.0M
Purchase of premises and equipment	-$6.3M	-$2.6M	-$5.7M
Net cash provided by (used in) investing activities	-$763.0M	-$369.6M	-$775.4M
Proceeds from (repayments of) federal funds purchased, net	-$210.0M	$111.0M	-$51.0M
Proceeds from (repayments of) FHLB advances, net	-$240.0M	-$200.0M
Proceeds from (repayments of) FHLB advances, net			$340.0M
Redemption of common stock for tax withholdings for restricted stock vesting	-$3.6M	-$4.6M	-$3.2M
Proceeds from (repayments of) other borrowings, net		$100.0M
Proceeds from (repayments of) secured borrowings, net	$3.5M	-$100.1M	-$140.0K
Net increase (decrease) in deposits	$1.4B	$245.7M	$459.4M
Purchase of treasury stock	-$73.5M
Cash dividend paid	-$3.1M
Net cash provided by (used in) financing activities	$867.6M	$152.0M	$745.1M
Increase (decrease) in cash and cash equivalents	$193.3M	-$69.2M	$12.0M
Interest	$212.2M	$215.4M	$151.4M
Income Taxes	$25.9M	$34.8M	$36.2M

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Leadership

Who has led Metropolitan Bank Holding Corp., and when. Pick a name to see everywhere that person has worked.

Chief executive

Mark R. Defazio2017–now

President

Mark R. Defazio2017–now

Chief financial officer

Chief operating officer

20202025

Chief executive officerMark R. Defazio Nov 7, 2017 to now¹¹
PresidentMark R. Defazio Nov 7, 2017 to now¹¹
Chief financial officerDaniel F. Dougherty Nov 9, 2023 to now¹²
Chief financial officerGreg Sigrist Aug 19, 2020 to Mar 17, 2023¹³
Chief financial officerAnthony J. Fabiano Jun 7, 2018 to Feb 26, 2020¹⁴
Chief financial officerSangeeta Kishore Nov 7, 2017 to Nov 7, 2017¹⁵
Chief operating officerDixiana M. Berrios Aug 5, 2020 to now¹⁶
Chief operating officerGerard A. Perri Dec 19, 2017 to May 13, 2020¹⁷

Board members and other officers (24)

EVP and Chief Lending OfficerScott Lublin Mar 4, 2025 to now¹⁸
SVP & Chief Risk OfficerGregory Gaare May 30, 2024 to now¹⁹
SVP, Controller, CAO & PAOGerald David Bonnar Nov 9, 2023 to now²⁰
SVP and CCONorman Scott Dec 20, 2021 to now²¹
EVP/Head of Retail BankingLaura Capra Mar 6, 2020 to now²²
SVP and CCROImran Riaz Sep 26, 2019 to Feb 25, 2021²³
SVP&Chief Credit Risk OfficerKaren Rojeski Nov 7, 2017 to Mar 1, 2019²⁴
SVP and Legal CounselMichael A. Guarino Nov 7, 2017 to Mar 15, 2023²⁵
EVP and CTONick Rosenberg Nov 7, 2017 to now²⁶
Board memberChaya Pamula Oct 25, 2021 to now²⁷
Board memberKatrina Robinson Oct 25, 2021 to now²⁸
Board memberAnthony J. Fabiano Sep 28, 2020 to now²⁹
Board memberDavid M. Gavrin Nov 15, 2018 to Mar 19, 2020³⁰
Board memberDale C. Fredston Nov 7, 2017 to now³¹
Board memberHarvey Gutman Nov 7, 2017 to now³²
Board memberMaria F. Ramirez Nov 7, 2017 to now³³
Board memberMark H. Goldberg Nov 7, 2017 to Dec 3, 2018³⁴
Board memberMark R. Defazio Nov 7, 2017 to now¹¹
Board memberRobert C. Patent Nov 7, 2017 to now³⁵
Board memberRobert I. Usdan Nov 7, 2017 to Jan 31, 2019³⁶
Board memberTerence J. Mitchell Nov 7, 2017 to now³⁷
Board memberWilliam Reinhardt Nov 7, 2017 to now³⁸
General counselFrederik F. Erikson Oct 4, 2023 to now³⁹
General counselScott Lublin Jun 1, 2018 to Dec 23, 2024⁴⁰

Timeline

Nov 7, 2017New chief executive Mark R. Defazio becomes CEO¹¹

Filings

386 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 48 major events, 224 insider forms, 32 large holders, 62 other. The latest 20:

Sep 18, 20264 EDGAR
Sep 17, 2026144 EDGAR
Aug 13, 2026SCHEDULE 13G/A EDGAR
Aug 12, 20264 EDGAR
Aug 10, 2026144 EDGAR
Jul 31, 202610-Q EDGAR
Jul 29, 2026SCHEDULE 13G/A EDGAR
Jul 27, 20264 EDGAR
Jul 21, 20268-K EDGAR
Jul 20, 20268-K EDGAR
Jul 2, 20264 EDGAR
Jun 29, 20264 EDGAR
Jun 26, 2026144 EDGAR
Jun 22, 20268-K EDGAR
Jun 17, 202611-K EDGAR
Jun 15, 20264 EDGAR
Jun 12, 2026144 EDGAR
Jun 8, 2026144 EDGAR
Jun 8, 20268-K EDGAR
Jun 5, 20264 EDGAR

The 386 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last three years, summarized. The full record is on SEC EDGAR.

Insider trades and holders

Large holders

Investors who own more than 5% must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively. 32 such filings since October 2021, the latest 10:

From Forms 4 and Schedules 13D and 13G filed with the SEC.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

Fund	Shares	Value	Share of the fund	Change
BlackRock, Inc.	1,209,119	$119.4M	0.0%	+188,081
Wellington Management Group Llp	1,022,383	$101.0M	0.0%	−180,708
Patriot Financial Partners GP II, L.P.	664,884	$65.7M	16.8%	−100,000
Adage Capital Partners Gp, L.l.c.	525,415	$51.9M	0.1%	−59,218
Vanguard Capital Management LLC	512,527	$50.6M	0.0%	+10,968
Dimensional Fund Advisors LP	472,599	$46.7M	0.0%	+12,808
State Street Corp	469,133	$46.3M	0.0%	+85,577
American Century Companies Inc	354,845	$35.0M	0.0%	+23,406
Geode Capital Management, LLC	308,061	$30.4M	0.0%	+45,573
Citadel Advisors LLC	302,632	$29.9M	0.0%	−74,623
Millennium Management LLC	245,548	$24.3M	0.0%	−78,341
Two Sigma Investments, LP	219,861	$21.7M	0.0%	+123,242
Kennedy Capital Management LLC	212,244	$21.0M	0.4%	−5,648
Basswood Capital Management, L.l.c.	210,367	$20.8M	0.9%	No change
Bank of New York Mellon Corp	195,372	$19.3M	0.0%	+1,742
Nuveen, LLC	193,293	$19.1M	0.0%	+43,109
UBS Group AG	181,980	$18.0M	0.0%	−157,030
Morgan Stanley	168,591	$16.7M	0.0%	+17,936
D. E. Shaw & Co., Inc.	162,686	$16.1M	0.0%	+45,243
Qube Research & Technologies Ltd	158,921	$15.7M	0.0%	+66,525
Alliancebernstein L.P.	176,623	$14.7M	0.0%	−595
Banc Funds Co LLC	147,221	$14.5M	2.4%	+5,000
Russell Investments Group, Ltd.	128,465	$12.7M	0.0%	+4,331
Vanguard Portfolio Management LLC	124,836	$12.3M	0.0%	+23,292
Aqr Capital Management LLC	114,491	$11.3M	0.0%	+53,504

13F reports cover disclosed long positions in U.S. stocks only.

Sources

The numbers on this page point here. Each one links to the record it came from.

1
SEC EDGARMetropolitan Bank Holding Corp. filings on SEC EDGAR
2
SEC EDGARMetropolitan Bank Holding Corp. filings on SEC EDGAR
3
SEC EDGARMetropolitan Bank Holding Corp. 10-K for fiscal 2025
4
SEC EDGARMetropolitan Bank Holding Corp. 10-K for fiscal 2020
5
SEC EDGARMetropolitan Bank Holding Corp. 10-K for fiscal 2021
6
SEC EDGARMetropolitan Bank Holding Corp. 10-K for fiscal 2022
7
SEC EDGARMetropolitan Bank Holding Corp. 10-K for fiscal 2019
8
SEC EDGARMetropolitan Bank Holding Corp. 10-Q for fiscal 2026
9
SEC EDGARMetropolitan Bank Holding Corp. 10-Q for fiscal 2026
10
SEC EDGARMetropolitan Bank Holding Corp. 10-K for fiscal 2020
11
SEC EDGARMark R. Defazio, Chief executive officer
12
SEC EDGARDaniel F. Dougherty, Chief financial officer
13
SEC EDGARGreg Sigrist, Chief financial officer
14
SEC EDGARAnthony J. Fabiano, Chief financial officer
15
SEC EDGARSangeeta Kishore, Chief financial officer
16
SEC EDGARDixiana M. Berrios, Chief operating officer
17
SEC EDGARGerard A. Perri, Chief operating officer
18
SEC EDGARScott Lublin, EVP and Chief Lending Officer
19
SEC EDGARGregory Gaare, SVP & Chief Risk Officer
20
SEC EDGARGerald David Bonnar, SVP, Controller, CAO & PAO
21
SEC EDGARNorman Scott, SVP and CCO
22
SEC EDGARLaura Capra, EVP/Head of Retail Banking
23
SEC EDGARImran Riaz, SVP and CCRO
24
SEC EDGARKaren Rojeski, SVP&Chief Credit Risk Officer
25
SEC EDGARMichael A. Guarino, SVP and Legal Counsel
26
SEC EDGARNick Rosenberg, EVP and CTO
27
SEC EDGARChaya Pamula, Board member
28
SEC EDGARKatrina Robinson, Board member
29
SEC EDGARAnthony J. Fabiano, Board member
30
SEC EDGARDavid M. Gavrin, Board member
31
SEC EDGARDale C. Fredston, Board member
32
SEC EDGARHarvey Gutman, Board member
33
SEC EDGARMaria F. Ramirez, Board member
34
SEC EDGARMark H. Goldberg, Board member
35
SEC EDGARRobert C. Patent, Board member
36
SEC EDGARRobert I. Usdan, Board member
37
SEC EDGARTerence J. Mitchell, Board member
38
SEC EDGARWilliam Reinhardt, Board member
39
SEC EDGARFrederik F. Erikson, General counsel
40
SEC EDGARScott Lublin, General counsel