The earnings call highlighted significant growth in loans and deposits, margin expansion, and technological advancements, which are positive indicators for the bank's future. However, the large provision for loan losses and increased operating expenses present notable challenges. Overall, the positive growth metrics are balanced by these concerns.
Company Guidance
During Metropolitan Commercial Bank's third quarter 2025 earnings call, several key metrics and strategic initiatives were highlighted. The bank reported a loan growth of approximately $170 million, or 2.6%, for the quarter, contributing to a year-to-date increase of over $750 million, or more than 12%. Total loan originations year-to-date reached $1.4 billion. Core deposits grew by approximately $280 million, or 4.1%, in the quarter, with a year-to-date growth of over $1 billion, or 18%. The net interest margin increased by 5 basis points to 3.88%, marking the eighth consecutive quarter of margin expansion. The bank announced a $50 million share repurchase program and the payment of its first common stock dividend. Provision expenses for the quarter were $23.9 million, driven by $18.7 million related to specific multifamily loans and $5.2 million due to macroeconomic factors and loan growth. The bank's asset quality remained strong, with no broad-based negative trends affecting its portfolio. Looking forward, the bank is positioning itself to benefit from favorable industry tailwinds and is committed to expanding its market presence, optimizing profitability, and enhancing shareholder value.
Strong Loan Growth
Loan growth was approximately $170 million or 2.6% in the third quarter, with year-to-date growth of over $750 million or more than 12%.
Robust Deposit Growth
Core deposits were up approximately $280 million or 4.1% in the quarter, with year-to-date growth of over $1 billion or 18%.
Net Interest Margin Expansion
The net interest margin increased 5 basis points to 3.88%, marking the eighth consecutive quarter of margin expansion.
Introduction of AI Strategy
The bank launched an AI strategy and hired its first AI Director, indicating a commitment to innovation and future growth.
Shareholder Returns
Board approved a $50 million share repurchase program and payment of the first common stock dividend.
Metropolitan Bank Holding (MCB) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
MCB Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 23, 2025
$74.51
$70.90
-4.84%
Jul 17, 2025
$76.16
$77.80
+2.15%
Apr 21, 2025
$55.40
$57.40
+3.61%
Jan 23, 2025
$60.85
$65.65
+7.89%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Metropolitan Bank Holding Corp. (MCB) report earnings?
Metropolitan Bank Holding Corp. (MCB) is schdueled to report earning on Jan 15, 2026, Before Open (Confirmed).
What is Metropolitan Bank Holding Corp. (MCB) earnings time?
Metropolitan Bank Holding Corp. (MCB) earnings time is at Jan 15, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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