Metropolitan Bank Holding Corp. Surveillance Report
Company Profile
Headquartered in New York City, Metropolitan Bank Holding Corp. (NYSE: MCB) (“the company”) is an $8.3 billion-asset institution offering commercial and retail banking services through its subsidiary, Metropolitan Commercial Bank. Utilizing a “tech forward” and branch light business model (7 branches), MCB principally targets SME companies, high net worth real estate entrepreneurs, and CRE borrowers in the New York MSA, though in select cases, follows client relationships outside its core footprint.
Established in 1999, we consider MCB’s “modern” operating profile to be marked by the company’s 2017 IPO, where it raised $115 million of equity capital. Growth since the IPO has been robust, at times supported by follow-on equity raises, including $170 million in Feb. 2026, in which pro forma CET1 rose to 13% from 10.7% at YE25. With a NY area CRE expertise, MCB’s loan portfolio remains concentrated in investor CRE (48% of total), with healthcare and skilled…
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