Form 8-K

8-K — Metropolitan Bank Holding Corp.

Accession: 0001104659-26-085420

Filed: 2026-07-21

Period: 2026-07-21

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-20260721x8k.htm (Primary)

EX-99.1 (mcb-20260721xex99d1.htm)

EX-99.2 (mcb-20260721xex99d2.htm)

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8-K

8-K (Primary)

Filename: mcb-20260721x8k.htm · Sequence: 1

METROPOLITAN BANK HOLDING CORP._July 21, 2026

0001476034false00014760342026-07-212026-07-21

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): July 21, 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 July 21, 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 second 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 second 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 July 21, 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: July 21, 2026By:/s/ Daniel F. Dougherty

Daniel F. Dougherty

Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: mcb-20260721xex99d1.htm · Sequence: 2

Exhibit 99.1

Release:

4:05 P.M. July 21, 2026

212-365-6721

IR@MCBankNY.com

Metropolitan Bank Holding Corp. Reports Second Quarter 2026 Results

Quarterly Net Interest Income Increased 22.8% Year Over Year

Continued Strong Capital, Liquidity and Loan Growth Position the Company for Solid Long-Term Financial Performance

Financial Highlights

●Diluted earnings per share was $1.54 for the second quarter of 2026, compared to $2.92 for the prior linked quarter and $1.76 for the prior year period. Results reflected continued earnings strength, partially offset by a $13.3 million provision for credit losses driven primarily by a single commercial and industrial (“C&I”) loan in a non-core portfolio segment, as well as $3.3 million of isolated non-interest expense items.

●Net interest income for the second quarter of 2026 was $90.4 million, an increase of $4.5 million, or 5.3%, compared to the prior linked quarter and an increase of $16.8 million, or 22.8%, compared to the prior year period.

●The net interest margin for the second quarter of 2026 was 4.08%, which was the same as the prior linked quarter and an increase of 25 basis points compared to the prior year period.

●The ratio of non-performing loans to total loans improved to 0.91% at June 30, 2026, a decrease of 10.0% from the prior linked quarter reflecting the resolution and charge-off of a previously reserved out-of-market commercial real estate (“CRE”) loan relationship.

●In support of the Company’s focus on delivering strong shareholder returns, the board of directors approved a new $50.0 million common stock repurchase program on June 19, 2026 and on July 20, 2026, the board of directors declared a quarterly cash dividend of $0.35 per share on the Company’s common stock, an increase of $0.10 from the prior quarterly dividend of $0.25 per share.

●Total loans at June 30, 2026 were $7.3 billion, an increase of $282.4 million, or 4.0%, from March 31, 2026 and an increase of $518.7 million, or 7.6%, from December 31, 2025.

●Total deposits at June 30, 2026 were $7.7 billion, essentially stable from March 31, 2026 and an increase of $354.3 million, or 4.8% from December 31, 2025.

●The Company and Bank maintained strong total risk-based capital ratios of 14.0% and 13.7%, respectively, at June 30, 2026, well above regulatory minimums. The Bank remains “well capitalized” under all applicable regulatory guidelines.

NEW YORK, July 21, 2026 ‒ Metropolitan Bank Holding Corp. (the “Company”) (NYSE: MCB), the holding company for Metropolitan Commercial Bank (the “Bank”), reported net income of $19.2 million, or $1.54 per diluted common share, for the second quarter of 2026 compared to $31.4 million, or $2.92 per diluted common share, for the first quarter of 2026 and $18.8 million, or $1.76 per diluted common share, for the second quarter of 2025.

Mark DeFazio, President and Chief Executive Officer, commented,

“I am pleased with the continued progress we are making across the franchise. Balance sheet growth remains consistent with our prior guidance, our lending pipeline remains robust, and loan yields continue to hold. On the funding side, our deposit forecast remains in line with guidance, and we continue to expect the momentum in our core operating trends to persist. This quarter’s earnings were noticeably affected by isolated items. However, we made significant progress in the resolution of legacy asset quality matters.”

Balance Sheet

Total loans, net of deferred fees and unamortized costs, were $7.3 billion at June 30, 2026, an increase of $282.4 million, or 4.0%, from March 31, 2026, and an increase of $716.1 million, or 10.8%, from June 30, 2025. Loan production was $718.9 million for the second quarter of 2026 compared to $428.3 million for the prior linked quarter and $492.0 million for the prior year period. The increase in total loans from March 31, 2026 was due primarily to an increase of $330.3 million in CRE loans (including owner-occupied), partially offset by a decrease of $69.8 million in C&I loans. The increase in total loans from June 30, 2025 was due primarily to an increase of $918.1 million in CRE loans (including owner-occupied), partially offset by a decrease of $184.9 million in commercial and industrial loans.

Total deposits were $7.7 billion at June 30, 2026, a decrease of $8.2 million, or 0.1%, from March 31, 2026, and an increase of $940.2 million, or 13.8%, from June 30, 2025. The small decline in deposits from March 31, 2026 was driven by seasonal outflows of certain municipal deposits, as well as the Bank’s planned termination of a $100.0 million high cost treasury deposit. The increase in total deposits from June 30, 2025 was broadly distributed across the Bank’s various deposit verticals.

The Bank’s liquidity position remains robust. At June 30, 2026, cash on deposit with the Federal Reserve Bank of New York and available secured funding capacity totaled $3.1 billion, which represented 156% of our estimated uninsured deposits. Total cash and cash equivalents were $239.3 million at June 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 304.1% of total risk-based capital at June 30, 2026, compared to 299.5% and 371.9% at March 31, 2026 and June 30, 2025, respectively. The CRE loan concentration ratio declined from June 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

Six months ended

Jun. 30,

Mar. 31,

Jun. 30,

(dollars in thousands, except per share data)

2026

2025

2026

2025

Total revenues(1)

93,010

88,490

76,270

181,500

146,860

Net income (loss)

19,223

31,426

18,767

50,649

35,121

Diluted earnings (loss) per common share

1.54

2.92

1.76

4.40

3.20

Return on average assets(2)

0.86

1.49

0.97

1.16

0.93

Return on average equity(2)

8.0

15.4

10.4

11.4

9.7

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

8.1

15.6

10.5

11.5

9.8

(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 second quarter of 2026 was $90.4 million compared to $85.9 million for the prior linked quarter and $73.6 million for the prior year period. The $4.5 million increase from the prior linked quarter was primarily due to an increase in the average balance of loans, securities, and overnight deposits and a decrease in the total cost of funds, partially offset by an increase in the average balance of interest-bearing deposits. The $16.8 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 second quarter of 2026 was 4.08% compared to 4.08% and 3.83% for the prior linked quarter and prior year period, respectively. The total cost of funds for the second quarter of 2026 was 257 basis points compared to 261 basis points and 310 basis points for the prior linked quarter and prior year period, respectively. The decrease from the prior linked quarter primarily reflects changes in 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 $2.6 million for the second quarter of 2026, a decrease of $19,000 from the prior linked quarter and a decrease of $61,000 from the prior year period. The decrease from the prior linked quarter was primarily due to a decrease in service charges on deposit accounts, partially offset by an increase in loan production fees. The decrease from the prior year period was driven primarily by a decrease in loan production fees, partially offset by an increase in service charges on deposit accounts.

Non-Interest Expense

Non-interest expense was $51.8 million for the second quarter of 2026, an increase of $5.4 million from the prior linked quarter and an increase of $8.7 million from the prior year period. The $5.4 million increase from the prior linked quarter was primarily due to a $1.8 million one-time legal accrual, $1.4 million increase in professional fees, and $1.2 million increase in compensation and benefits, partially offset by a $560,000 decrease in the FDIC assessment.

The $8.7 million increase from the prior year period was due primarily to a $5.1 million increase in compensation and benefits, a $1.8 million one-time legal accrual, and $1.1 million increase in technology costs, partially offset by a $1.7 million decrease in the Federal Deposit Insurance Corporation (“FDIC”) assessment.

Income Tax Expense

The effective tax rate for the second quarter of 2026 was 31.1% compared to 29.2% for the prior linked quarter and 29.9% for the prior year period.

Asset Quality

The ratio of non-performing loans to total loans was 0.91% at June 30, 2026, 1.01% at March 31, 2026 and 0.60% at June 30, 2025. The decrease in the non-performing loan ratio from the prior linked quarter primarily reflects the charge-off of the aforementioned CRE out-of-market loan relationship. The increase in the non-performing loan ratio from the prior year period is primarily attributable to the impact of the aforementioned CRE out-of-market and C&I non-core loan relationships.

The allowance for credit losses was $62.0 million at June 30, 2026, a decrease of $20.1 million from March 31, 2026, and a decrease of $12.1 million from June 30, 2025. The decrease from March 31, 2026, primarily reflects the charge-off related to the aforementioned CRE out-of-market loan relationship. The decrease from June 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 related to the aforementioned CRE out-of-market loan relationship, partially offset by loan growth.

Conference Call

The Company will conduct a conference call at 9:00 a.m. ET on Wednesday, July 22, 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: MCBQ226 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 anticipated 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)

Jun. 30,

Mar. 31,

Dec. 31,

Sept. 30,

Jun. 30,

(in thousands)

2026

2025

Assets

Cash and due from banks

10,253

12,034

12,086

13,109

13,577

Overnight deposits

229,011

660,359

381,501

372,827

138,876

Total cash and cash equivalents

239,264

672,393

393,587

385,936

152,453

Investment securities available-for-sale

667,778

649,719

578,932

552,441

551,029

Investment securities held-to-maturity

415,041

347,868

356,627

376,447

387,901

Equity investment securities, at fair value

5,646

5,625

5,609

5,548

5,276

Total securities

1,088,465

1,003,212

941,168

934,436

944,206

Other investments

27,759

20,725

20,632

27,330

27,297

Loans, net of deferred fees and unamortized costs

7,328,903

7,046,547

6,810,233

6,781,703

6,612,789

Allowance for credit losses

(62,012)

(82,071)

(97,081)

(94,239)

(74,071)

Net loans

7,266,891

6,964,476

6,713,152

6,687,464

6,538,718

Other assets

236,304

183,318

187,177

199,264

191,175

Total assets

8,858,683

8,844,124

8,255,716

8,234,430

7,853,849

Liabilities and Stockholders' Equity

Deposits

Non-interest-bearing demand deposits

1,591,126

1,539,553

1,479,420

1,382,345

1,427,439

Interest-bearing deposits

6,140,356

6,200,166

5,897,758

5,690,414

5,363,867

Total deposits

7,731,482

7,739,719

7,377,178

7,072,759

6,791,306

Federal funds purchased

—

125,000

50,000

Federal Home Loan Bank of New York advances

—

150,000

Trust preferred securities

20,620

Secured and other borrowings

15,938

15,975

10,975

17,355

17,366

Other liabilities

122,477

119,471

103,831

116,656

101,589

Total liabilities

7,890,517

7,895,785

7,512,604

7,502,390

7,130,881

Common stock

136

113

Additional paid in capital

588,133

584,524

405,565

403,708

401,055

Retained earnings

495,034

479,177

450,639

423,338

417,782

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

(39,044)

(39,233)

(39,739)

(41,852)

(45,455)

Treasury stock, at cost

(76,093)

(76,265)

(73,466)

(53,267)

(50,527)

Total stockholders’ equity

968,166

948,339

743,112

732,040

722,968

Total liabilities and stockholders’ equity

8,858,683

8,844,124

8,255,716

8,234,430

7,853,849

Consolidated Statement of Income (unaudited)

Three months ended

Six months ended

Jun. 30,

Mar. 31,

Jun. 30,

(dollars in thousands, except per share data)

2026

2025

2026

2025

Total interest income

140,938

134,932

127,043

275,870

245,813

Total interest expense

50,490

49,023

53,396

99,513

105,214

Net interest income

90,448

85,909

73,647

176,357

140,599

Provision for credit losses

13,325

(2,300)

6,378

11,025

10,884

Net interest income after provision for credit losses

77,123

88,209

67,269

165,332

129,715

Non-interest income

Service charges on deposit accounts

2,229

2,274

2,131

4,503

4,304

Other income

333

307

492

640

1,957

Total non-interest income

2,562

2,581

2,623

5,143

6,261

Non-interest expense

Compensation and benefits

25,362

24,148

20,255

49,510

41,994

Bank premises and equipment

3,472

2,729

2,513

6,201

4,976

Professional fees

4,615

3,229

3,583

7,844

8,569

Technology costs

4,704

4,196

3,653

8,900

5,873

Deposit related program fees

6,892

6,799

5,967

13,691

10,153

FDIC assessments

1,290

1,850

2,999

3,140

5,966

Other expenses

5,467

3,449

4,139

8,915

8,300

Total non-interest expense

51,802

46,400

43,109

98,201

85,831

Net income before income tax expense

27,883

44,390

26,783

72,274

50,145

Income tax expense

8,660

12,964

8,016

21,625

15,024

Net income (loss)

19,223

31,426

18,767

50,649

35,121

Earnings per common share:

Average common shares outstanding:

Basic

12,381,794

10,674,698

10,564,275

11,413,075

10,886,120

Diluted

12,515,939

10,756,358

10,676,878

11,521,407

10,975,431

Basic earnings (loss)

1.55

2.94

1.78

4.44

3.23

Diluted earnings (loss)

1.54

2.92

1.76

4.40

3.20

Loan Production, Asset Quality & Regulatory Capital

Jun. 30,

Mar. 31,

Dec. 31,

Sept. 30,

Jun. 30,

2026

2025

LOAN PRODUCTION (in millions)

718.9

428.3

510.9

514.2

492.0

ASSET QUALITY (in thousands)

Non-performing loans:

Commercial real estate

53,307

68,635

75,408

70,122

28,480

Commercial and industrial

11,262

—

8,989

One- to four- family

2,401

2,416

2,450

2,451

2,469

Consumer

—

Total non-performing loans

66,970

71,051

86,884

81,562

39,938

Non-performing loans to total loans

0.91

1.01

1.28

1.20

0.60

Allowance for credit losses

62,012

82,071

97,081

94,239

74,071

Allowance for credit losses to total loans

0.85

1.16

1.43

1.39

1.12

Charge-offs

(34,838)

(12,455)

—

(3,858)

(112)

Recoveries

614

126

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

1.95

0.73

—

0.22

—

REGULATORY CAPITAL

Tier 1 Leverage:

Metropolitan Bank Holding Corp.

11.3

11.6

9.5

9.8

10.0

Metropolitan Commercial Bank

11.1

11.4

9.1

9.4

9.8

Common Equity Tier 1 Risk-Based (CET1):

Metropolitan Bank Holding Corp.

12.9

13.2

10.7

10.6

10.8

Metropolitan Commercial Bank

12.9

13.1

10.5

10.4

10.9

Tier 1 Risk-Based:

Metropolitan Bank Holding Corp.

13.2

13.4

11.0

10.9

11.1

Metropolitan Commercial Bank

12.9

13.1

10.5

10.4

10.9

Total Risk-Based:

Metropolitan Bank Holding Corp.

14.0

14.6

12.3

12.2

Metropolitan Commercial Bank

13.7

14.3

11.7

12.0

Performance Measures

Three months ended

Six months ended

Jun. 30,

Mar. 31,

Jun. 30,

(dollars in thousands, except per share data)

2026

2025

2026

2025

Net income (loss) available to common shareholders

19,223

31,426

18,767

50,649

35,121

Per common share:

Basic earnings (loss)

1.55

2.94

1.78

4.44

3.23

Diluted earnings (loss)

1.54

2.92

1.76

4.40

3.20

Common shares outstanding:

Period end

12,395,278

12,392,035

10,421,384

12,395,278

10,421,384

Average fully diluted

12,515,939

10,756,358

10,676,878

11,521,407

10,975,431

Return on:(1)

Average total assets

0.86

1.49

0.97

1.16

0.93

Average equity

8.0

15.4

10.4

11.4

9.7

Average tangible common equity(2), (3)

8.1

15.6

10.5

11.5

9.8

Yield on average earning assets(1)

6.35

6.41

6.61

6.38

6.57

Total cost of deposits(1)

2.57

2.60

3.02

2.58

3.05

Net interest spread(1)

3.13

3.19

2.76

3.16

2.65

Net interest margin(1)

4.08

3.83

4.08

3.76

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

1.95

0.73

—

1.35

—

Efficiency ratio(4)

55.7

52.4

56.5

54.1

58.4

(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)Total non-interest expense divided by total revenues.

Interest Margin Analysis

Three months ended

Jun. 30, 2026

Mar. 31, 2026

Jun. 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)

7,023,237

125,642

7.18

6,926,983

122,594

7.18

6,486,667

118,774

7.34

Available-for-sale securities

727,655

5,984

3.30

651,928

4,982

3.10

607,363

3,884

2.57

Held-to-maturity securities

363,589

1,866

2.06

352,937

1,663

1.91

394,374

1,849

1.88

Equity investments

5,918

3.04

5,874

3.04

5,556

3.02

Overnight deposits

750,213

7,010

3.75

578,330

5,329

3.74

184,054

2,078

4.53

Other interest-earning assets

25,331

391

6.19

20,693

319

6.26

27,682

416

6.03

Total interest-earning assets

8,895,943

140,938

6.35

8,536,745

134,931

6.41

7,705,696

127,043

6.61

Non-interest-earning assets

155,960

127,802

138,469

Allowance for credit losses

(80,257)

(97,788)

(68,966)

Total assets

8,971,646

8,566,759

7,775,199

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:

Money market and savings accounts

6,110,436

48,800

3.20

5,961,007

46,997

3.20

5,125,850

48,454

3.79

Certificates of deposit

152,062

1,394

3.68

184,625

1,732

3.80

133,495

1,369

4.11

Total interest-bearing deposits

6,262,498

50,194

3.21

6,145,632

48,729

3.22

5,259,345

49,823

3.80

Borrowed funds

20,620

296

5.76

22,638

293

5.25

298,843

3,573

4.79

Total interest-bearing liabilities

6,283,118

50,490

3.22

6,168,270

49,022

3.22

5,558,188

53,396

3.85

Non-interest-bearing liabilities:

Non-interest-bearing deposits

1,583,067

1,459,199

1,358,029

Other non-interest-bearing liabilities

140,438

111,159

135,008

Total liabilities

8,006,623

7,738,628

7,051,225

Stockholders' equity

965,023

828,131

723,974

Total liabilities and equity

8,971,646

8,566,759

7,775,199

Net interest income

90,448

85,909

73,647

Net interest rate spread (3)

3.13

3.19

2.76

Net interest margin (4)

4.08

3.83

Total cost of deposits (5)

2.57

2.60

3.02

Total cost of funds (6)

2.57

2.61

3.10

(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.

Six months ended

Jun. 30, 2026

Jun. 30, 2025

Average

Yield /

Average

Yield /

(dollars in thousands)

Balance

Interest

Rate (1)

Balance

Interest

Rate (1)

Assets:

Interest-earning assets:

Loans (2)

6,975,376

248,236

7.18

6,345,274

229,639

7.30

Available-for-sale securities

690,000

10,967

3.21

592,357

7,299

2.48

Held-to-maturity securities

358,292

3,529

1.99

405,787

3,792

1.88

Equity investments

5,896

3.04

5,536

2.96

Overnight deposits

664,766

12,339

3.74

169,287

4,003

4.77

Other interest-earning assets

23,025

710

6.22

29,291

999

6.88

Total interest-earning assets

8,717,355

275,870

6.38

7,547,532

245,813

6.57

Non-interest-earning assets

138,963

132,675

Allowance for credit losses

(88,974)

(66,787)

Total assets

8,767,344

7,613,420

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:

Money market and savings accounts

6,036,129

95,798

3.20

4,937,693

94,298

3.85

Certificates of deposit

168,254

3,126

3.75

130,002

2,703

4.19

Total interest-bearing deposits

6,204,383

98,924

3.22

5,067,695

97,001

3.86

Borrowed funds

21,624

589

5.49

345,982

8,213

4.79

Total interest-bearing liabilities

6,226,007

99,513

3.22

5,413,677

105,214

3.92

Non-interest-bearing liabilities:

Non-interest-bearing deposits

1,521,475

1,338,964

Other non-interest-bearing liabilities

122,933

130,644

Total liabilities

7,870,415

6,883,285

Stockholders' equity

896,929

730,135

Total liabilities and equity

8,767,344

7,613,420

Net interest income

176,357

140,599

Net interest rate spread (3)

3.16

2.65

Net interest margin (4)

4.08

3.76

Total cost of deposits (5)

2.58

3.05

Total cost of funds (6)

2.59

3.14

(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

Six months ended

(dollars in thousands,

Jun. 30,

Mar. 31,

Dec. 31,

Sept. 30,

Jun. 30,

except per share data)

2026

2025

2026

2025

Average assets

8,971,646

8,566,759

8,319,679

7,964,712

7,775,199

8,767,344

7,613,420

Less: average intangible assets

9,733

Average tangible assets (non-GAAP)

8,961,913

8,557,026

8,309,946

7,954,979

7,765,466

8,757,611

7,603,687

Average common equity

965,023

828,131

735,722

731,281

723,974

896,929

730,135

Less: average intangible assets

9,733

Average tangible common equity (non-GAAP)

955,290

818,398

725,989

721,548

714,241

887,196

720,402

Total assets

8,858,683

8,844,124

8,255,716

8,234,430

7,853,849

8,858,683

7,853,849

Less: intangible assets

9,733

Tangible assets (non-GAAP)

8,848,950

8,834,391

8,245,983

8,224,697

7,844,116

8,848,950

7,844,116

Common equity

968,166

948,339

743,112

732,040

722,968

968,166

722,968

Less: intangible assets

9,733

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

958,433

938,606

733,379

722,307

713,235

958,433

713,235

Common shares outstanding

12,395,278

12,392,035

10,088,617

10,382,218

10,421,384

12,395,278

10,421,384

Book value per share (GAAP)

78.11

76.53

73.66

70.51

69.37

78.11

69.37

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

77.32

75.74

72.69

69.57

68.44

77.32

68.44

(1) Tangible book value divided 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-20260721xex99d2.htm · Sequence: 3

Exhibit 99.2

2Q 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 anticipated 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 June 30, 2026 and March 31, 2026

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

$0.25 per share to $0.35 per share.

• Completed multi-year Modern Banking in Motion

Digital Transformation Implementation.

• Opened West Palm Beach branch June 9, 2026.

• 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 (New)

Nine Strategically Located Banking Centers

2Q 2026 1Q 2026

Closing Price $98.76 $83.29

Market Cap $1,224.16 M $1,032.13 M

Book Value per Share $78.11 $76.53

Tangible Book Value per Share $77.32 $75.74

P/Book Value 1.26 x 1.09 x

P/Tangible Book Value1 1.28 x 1.10 x

P/E2 11.13 x 7.03 x

Assets $8.9 B $8.8 B

Loans $7.3 B $7.0 B

Deposits $7.7 B $7.7 B

Loans/Deposits 94.8 % 91.0 %

Net Interest Margin2 4.08 % 4.08 %

Net Charge-offs / Average Loans2 2.0 % 0.7 %

Efficiency Ratio 55.7 % 52.4 %

Pre-tax, Pre-Provision Net Revenue /

Average Assets1

1.92 % 1.99 %

ROAA2 0.86 % 1.49 %

ROAE2 8.0 % 15.4 %

ROATCE1,2 8.1 % 15.6 %

CET1 Capital Ratio 12.9 % 13.2 %

Tier 1 Leverage Ratio 11.3 % 11.6 %

Total Risk Based Capital Ratio 14.0 % 14.6 %

TCE/TA1

Ratio 10.8 % 10.6 %

Source: Bloomberg

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

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

Outperformance versus Peers

100

150

200

250

300

350

400

450

3/30/2023 9/17/2023 3/6/2024 8/24/2024 2/11/2025 8/1/2025 1/19/2026 7/9/2026

Total Return Performance

NYC Middle-Market Banks1, 2

KBW Regional Banking

Index (“KRX”)

Metropolitan

Commercial Bank

182

176

387

7/13/2026

Source: FactSet, S&P Global Market Intelligence.

1 CAGR from December 31, 2017 through March 31, 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 July 13, 2026.

Pre-tax, pre-provision net revenue⁴CAGR¹

2017-2026Q1

Financial Performance Outpacing Peers

Since 2017 IPO

Deposits CAGR

1 , 1*

2017–2026Q1

Loans CAGR

1 , 1*

2017–2026Q1

23.0%

9.3%

13.6%

MCB KRX Index² NYC Middle-Market Banks³

Share price performance since IPO⁵

November 7, 2017

Tangible book value per share⁴

CAGR¹

2017–2026Q1

Earnings per share CAGR¹

2017–2026Q1

13.3%

6.3%

4.7%

MCB KRX Index² NYC Middle-Market Banks³

21.5%

9.0%

13.6%

MCB KRX Index² NYC Middle-Market Banks³

21.4%

8.8%

13.1%

MCB KRX Index² NYC Middle-Market Banks³

16.3%

8.5%

3.1%

MCB KRX Index² NYC Middle-Market Banks³

177.6%

38.1%

18.2%

MCB KRX Index² NYC Middle-Market Banks³

Differentiating

Factors

Money

Market &

Savings,

77%

Non-Int.

Bearing

Demand,

21%

Time, 2% EB-5, Title & Escrow, and

Charter Schools, 12%

Municipal,

20%

Bankruptcy

Trustees, 6%

Property Managers, 20%

Deposits

from Loan

Customers,

18%

Retail

Deposits,

24%

Skilled

Nursing

CRE and

C&I, 44%

Other C&I,

10%

Other Owner

Occupied CRE, 1%

Non Owner

Occupied

CRE, 44%

Consumer & 1-4

Family, 1%

Highly Diversified Franchise

Total Deposits

$7.7B

Manhattan,

16%

Brooklyn,

Bronx,

Queens, 24%

Long Is., 5%

NJ, 10%

FL, 16%

Other

US, 29%

Loan Portfolio

June 30, 2026

Total Loans

$7.3B

Total Deposits

$7.7B

Deposits

June 30, 2026

Total Loans

$7.3B

• 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.

• 2Q 2026 Cost of deposits: 2.57%

$66.6 $67.0

$73.6

$77.3

$85.3 $85.9

$90.4

4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026

Represents effective average daily Fed Funds rate.

Well Managed Net Interest Margin

Net Interest Margin Analysis

Estimated Sensitivity of Annual

Net Interest Income

June 30, 2026

Net Interest Income

$ millions

1.00%

1.83% 2.16%

0.36%

0.08%

1.68%

5.03% 5.15%

4.21%

3.64%

4.57% 4.78%

5.09%

4.73% 4.80%

5.33%

6.70% 6.53%

7.31% 7.18%

0.47%

0.58%

1.10%

0.43%

0.27%

0.49%

2.43%

3.22% 2.95%

2.58%

3.52% 3.70% 3.46% 3.26%

2.77%

3.49% 3.49% 3.53%

3.88%

4.08%

2017 2018 2019 2020 2021 2022 2023 2024 2025 YTD 2026

Average Fed Funds Rate¹ Average Loan Yield

Average Total Cost of Deposits MCB Net Interest Margin ("NIM")

3.38%

1.68%

-0.23% -0.58%

-200 bps -100 bps +100 bps +200 bps

21.0%

19.5% 20.1% 19.9% 20.6%

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

$6.8

$7.1

$7.4

$7.7 $7.7

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

9.1% 8.8% 8.9%

10.6% 10.8%

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

Highly Liquid and Resilient Balance Sheet

74%

Insured deposits

Deposits

($ bn)

TCE/TA Ratio1

Non-interest bearing

Deposit %

Deposit Profile

at June 30, 2026

156%

Uninsured Deposit

Coverage Ratio2

BBB+

Kroll Deposit Rating

January 2026

$6.6 $6.8 $6.8 $7.0

$7.3

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

Loans

($ bn)

1 Tangible Common Equity divided by Tangible Assets. Non-GAAP financial measure. See reconciliation of GAAP to Non-GAAP financial measures starting on slide 26.

Cash and available secured borrowing capacity divided by uninsured deposits.

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.

Certain prior period amounts adjusted to conform to current presentation.

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

$7.3 billion Gross Loan Portfolio1, 2

June 30, 2026 | $ millions

Diversified Loan Portfolio

June 30, 2026

42%

6% 6% 6%

11%

42% CRE: Skilled Nursing

Facility ("SNF")

6% CRE: Office

6% CRE: Hospitality

6% CRE: Multi-family

5% CRE: Retail

5% CRE: Mixed Use

3% CRE: Construction

3% CRE: Land

3% CRE: Charter Schools

2% CRE: Industrial

7% CRE: Other⁴

11% C&I

1% Consumer & 1-4

Family

$3,162 $3,201 $3,147 $3,216 $3,255

$2,353 $2,547 $2,713 $2,851

$3,169

$1,016

$953 $872

$903

$831

$100

$99 $97

$95

$94

$6,631 $6,800 $6,829

$7,065

$7,349

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

Consumer & 1-4

Family

C&I

CRE: Owner

Occupied

CRE: Non Owner

Occupied*

Average 2Q 2026 Yield: 7.18%

CRE/RBC ratio3

: 304.1%

17%

16%

10%

9% 8%

25%

17% Manhattan

16% Florida

10% Brooklyn

9% New Jersey

8% Queens

7% Bronx

5% Long Island

3% Other NY

25% Other States

48%

11%

48% Skilled Nursing

Facilities

7% Office

7% Hospitality

6% Multifamily

6% Retail

5% Mixed Use

4% Land

4% Construction

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

June 30, 2026

• Weighted average LTV of 63%

• Owner occupied – 49%

Composition by Type

June 30, 2026

Composition by Region

June 30, 2026

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

Total CRE loans: $6.4 billion

$246 $229 $219 $207 $210

$244 $237 $212 $252 $186

$170 $162

$140 $118

$101

$107 $104

$91 $92

$82

$77 $86

$75 $90

$108

$73 $65

$60 $61

$60

$30

$27

$26 $27

$11

$69

$43

$49 $56

$73

$1,016

$953

$872 $903

$831

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

Other

Manufacturing

Wholesale

Services

Other Healthcare

Individuals

Skilled Nursing Facilities

Finance & Insurance

Expertise in Specific Verticals Drive

Commercial & Industrial Lending

C&I Composition

June 30, 2026

Target Market

June 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

25%

22%

13%

12%

10%

25% Finance & Insurance

22% Skilled Nursing

Facilities

13% Services

12% Individuals

10% Other Healthcare

7% Wholesale

1% Manufacturing

10% Other

Certain prior period amounts adjusted to conform to current presentation.

C&I Portfolio1 $831 mm

June 30, 2026 | $ millions

C&I Healthcare Composition | June 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 – 64% 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 2.0x.

• 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.

68%

14%

6% 2%

68% SNF

14% Home Health Care

Services

8% Medical Labs

6% Outpatient Care Centers

2% Doctor Office

1% Ambulance Services

1% Continuing Care

Retirement Communities

CRE SNF

$3.1 billion

C&I Other

$82 mm

Healthcare Composition | June 30, 2026

Total Healthcare

loans: $3.3 billion

Total C&I Healthcare

loans: $268 mm

Overview

June 30, 2026

C&I SNF

$186 mm

C&I Skilled Nursing Facility Exposure by State

June 30, 2026

Geographically Diversified Skilled Nursing

Facility Portfolio

CRE Skilled Nursing Facility Exposure by State

June 30, 2026

25%

23%

12%

25%

25% Florida

23% New York

12% New Jersey

9% North Carolina

6% Indiana

25% Other States

26%

24%

18%

26% New York

24% Florida

18% New Jersey

7% Indiana

7% Tennessee

18% Other

Total CRE SNF loans:

$3.1 billion

Total C&I SNF

loans: $186 mm

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

of 73%.

• 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

June 30, 2026

Source: Zimmet Healthcare Services Group LLC

$2,082 $2,053 $2,081 $2,004 $1,858

$1,266 $1,294 $1,306 $1,332 $1,372

$351 $413 $425 $429 $437

$1,279 $1,409 $1,439 $1,520 $1,563

$1,260

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

$553

$564

$648

$795 $953

$6,791

$7,073

$7,377

$7,739 $7,731

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

EB-5, Title & Escrow, & Charter

Schools

Municipal

Property Managers

Bankruptcy Trustees

Deposits from Loan Customers

Retail Deposits

$7.7 Billion Total Deposits

June 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 $7,731

2020 2021 2022 2023 2024 2025 Q2 2026

Deposits

| $ millions

$142

$181

$256 $251

$277

$315

$182

2020 2021 2022 2023 2024 2025 YTD 2026

Revenue

| $ millions

$39

$60 $59

$77

$67 $71

$51

2020 2021 2022⁴ 2023⁵ 2024⁶ 2025 YTD 2026

Net Income

| $ millions

$3,137

$3,732

$4,841

$5,625 $6,034

$6,810

$7,329

2020 2021 2022 2023 2024 2025 Q2 2026

1 Loans, net of deferred fees and costs.

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

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

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

measures starting on slide 26.

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%

11.5%

2020 2021 2022³ 2023⁴ 2024⁵ 2025 YTD 2026*

ROATCE1

52.5%

48.3%

58.2%

52.5%

62.7%

55.9%

54.1%

2020 2021 2022³ 2023⁴ 2024⁵ 2025 YTD 2026*

Net Interest Margin

3.26%

2.77%

3.49% 3.49% 3.53%

3.88% 4.08%

2020 2021 2022 2023 2024 2025 YTD 2026*

1.02% 1.06% 0.90%

1.19%

0.91% 0.90%

1.16%

2020 2021 2022 2023 2024 2025 YTD 2026*

0.20% 0.28% 0.00%

0.92%

0.54%

1.28%

0.91%

2020 2021 2022 2023 2024 2025 Q2 2026

Non-Performing Loans/Loans

Credit Metrics

NCOs/Average Loans

ACL/Loans Non-Performing Loans/ACL

0.01% 0.13% 0.00% 0.02% 0.00% 0.06%

1.35%

2020 2021 2022 2023 2024 2025 YTD 2026¹

1.13%

0.93% 0.93%

1.03% 1.05%

1.43%

0.85%

2020 2021 2022 2023* 2024 2025 Q2 2026

18.0%

29.6%

0.0%

89.5%

51.5%

89.5%

108.0%

2020 2021 2022 2023* 2024 2025 Q2 2026

* Includes $2.3 million increase in ACL due to impact of CECL adoption on January 1, 2023.

Annualized

Capital Ratios*

Common Equity Tier 1 Capital Ratio

10.1%

14.1%

12.1% 11.5% 11.9%

10.7%

12.9%

2020 2021 2022¹ 2023² 2024³ 2025 Q2 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%

11.3%

2020 2021 2022¹ 2023² 2024³ 2025 Q2 2026

Minimum to be "Well Capitalized" (5%)

12.7%

16.1%

13.4% 12.8% 13.3%

12.3%

14.0%

2020 2021 2022¹ 2023² 2024³ 2025 Q2 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%

10.8%

2020 2021 2022¹ 2023² 2024³ 2025 Q2 2026

Conservatively Underwritten, Geographically

Diversified CRE Office Portfolio

Office by Region

June 30, 2026

47%

14%

28%

47% Manhattan

14% Brooklyn

5% Queens

2% Bronx

28% NY Metro Area

(outside NYC)

4% Non NY Metro Area

Overview

June 30, 2026

• Total Office loans: $463mm

• Weighted average LTV of 51%

• Weighted average occupancy rate of 77%*

• Weighted average debt service coverage ratio of 1.7x*

• Manhattan loans originated since March 2022 is 100%

• Owner-occupied is 9.2%

• Varying levels of recourse on approximately 66% of

loans

* Excluding owner-occupied office properties.

Based on Outstanding Balance.

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

Occupancy by Region

June 30, 2026

Maturity Schedule

June 30, 2026| $ millions

37%

79%

70%

42%

88%

81%

Non NY Metro Area

NY Metro Area

(outside NYC)

Bronx

Queens²

Brooklyn

Manhattan

2026 2027 Thereafter Total

Outstanding Balance $83 $243 $137 $463

Commitment Amount $84 $254 $137 $475

Avg. Commitment Size $8 $16 $7 $10

LTV1 44% 54% 49% 51%

Nonperforming 0% 0% 0% 0%

WAC 6.3% 6.0% 6.5% 6.2%

Conservatively Underwritten

Multi-family Portfolio

Overview

June 30, 2026 | $ millions

Stabilized1

Maturity Schedule

June 30, 2026 | $ millions

Origination Vintage

June 30, 2026

• Total Multi-family loans: $414mm

• Weighted average LTV of 53%

• Recourse on 67% of Total; recourse on 95% of

Transitional

• Rent regulated 42% of Total

• Rent regulated have weighted average LTV of 44%

• Stabilized weighted average debt service coverage ratio

of 1.9x

Transitional1

Maturity Schedule

June 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.

Based on Outstanding Balance.

14%

84%

% of $414mm Outstanding

Balance

2017 - 2019

2020 - 2021

2022 - 2026

2026 2027 Thereafter Total

Outstanding Balance $49 $55 $43 $147

Commitment Amount $49 $60 $43 $152

Avg. Commitment Size $3 $18 $14 $7

LTV2 54% 75% 53% 62%

Rent Regulated2 33% 0% 0% 11%

With Recourse2 86% 100% 100% 95%

Nonperforming 44% 0% 0% 15%

WAC 5.4% 6.4% 6.1% 6.0%

2026 2027 Thereafter Total

Outstanding Balance $104 $38 $125 $267

Commitment Amount $105 $38 $131 $274

Avg. Loan Size $7 $5 $5 $5

LTV2 64% 53% 34% 48%

Rent Regulated2 64% 53% 56% 59%

With Recourse2 81% 45% 28% 51%

Nonperforming 0% 0% 0% 0%

WAC 6.4% 5.2% 4.8% 5.5%

Reconciliation of GAAP to Non-GAAP

Measures

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

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.

$ thousand s, e x ce p t p e r share d ata Q2 2026 Q1 2026 2025 2024 2023 2022

Average assets $ 8,971,646 $ 8,566,759 $ 7,880,760 $ 7,293,445 $ 6,506,614 $ 6,621,631

Less: average intangible assets 9,733 9,733 9,733 9,733 9,733 9,733

Average tangible assets $ 8,961,913 $ 8,557,026 $ 7,871,027 $ 7,283,712 $ 6,496,881 $ 6,611,898

Average equity $ 965,023 $ 828,131 $ 732,611 $ 694,154 $ 621,006 $ 578,787

Less: Average preferred equity — — — — — —

Average common equity 965,023 828,131 732,611 694,154 621,006 578,787

Less: average intangible assets 9,733 9,733 9,733 9,733 9,733 9,733

Average tangible common equity $ 955,290 $ 818,398 $ 722,878 $ 684,421 $ 611,273 $ 569,054

Total assets $ 8,858,683 $ 8,844,124 $ 8,255,716 $ 7,300,749 $ 7,067,672 $ 6,267,337

Less: intangible assets 9,733 9,733 9,733 9,733 9,733 9,733

Tangible assets $ 8,848,950 $ 8,834,391 $ 8,245,983 $ 7,291,016 $ 7,057,939 $ 6,257,604

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

Less: preferred equity — — — — — —

Common Equity 968,166 948,339 733,379 729,827 659,021 575,897

Less: intangible assets 9,733 9,733 9,733 9,733 9,733 9,733

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

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

Tangible assets $ 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 assets 10.8% 10.6% 8.9% 9.9% 9.2% 9.0%

Net income divided by: $ 19,223 $ 31,426 $ 71,098 $ 35,121 $ 77,268 $ 59,425

Average tangible common equity $ 955,290 $ 818,398 $ 722,878 $ 684,421 $ 611,273 $ 569,054

Return on average tangible common equity* 11.5% 15.6% 9.8% 5.1% 12.6% 10.4%

Common shares outstanding 12,395,278 12,392,035 10,088,617 11,197,625 11,062,729 10,949,965

Book value per share (GAAP) $ 78.11 $ 76.53 $ 73.66 $ 65.18 $ 59.57 $ 52.59

Tangible book value per share (non-GAAP)¹ $ 77.32 $ 75.74 $ 72.69 $ 64.31 $ 58.69 $ 51.70

Total Revenue (GAAP)² $ 93,010 $ 88,490 $ 315,106 $ 276,913 $ 250,739 $ 255,751

Less: Non-interest expense 51,802 46,400 176,005 173,575 131,538 148,737

Less: Gain (loss) on sale of securities — — 674 — — —

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

*Periods less than one year are annualized.

For Year Ending

Reconciliation of GAAP to Non-GAAP

Measures, Continued

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

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.

$ thousand s, e x ce p t p e r share d ata 2021 2020 2019 2018 2017

Average assets $ 5,724,230 $ 3,863,013 $ 2,846,959 $ 1,951,982 $ 1,524,202

Less: average intangible assets 9,733 9,733 9,733 9,733 9,733

Average tangible assets $ 5,714,497 $ 3,853,280 $ 2,837,226 $ 1,942,249 $ 1,514,469

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

Less: Average preferred equity 4,585 5,502 5,502 5,502 5,502

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

Less: average intangible assets 9,733 9,733 9,733 9,733 9,733

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

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

Less: intangible assets 9,733 9,733 9,733 9,733 9,733

Tangible assets $ 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

Less: preferred equity — 5,502 5,502 5,502 5,502

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

Less: intangible assets 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 assets $ 7,106,625 $ 4,321,088 $ 3,347,839 $ 2,172,911 $ 1,750,122

Tangible common equity (book value) to Tangible assets 7.7% 7.5% 8.5% 11.5% 12.7%

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

Average tangible common 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 shares outstanding 10,920,569 8,295,272 8,312,918 8,217,274 8,196,310

Book value per share (GAAP) $ 51.00 $ 40.42 $ 35.32 $ 31.52 $ 28.23

Tangible book value per share (non-GAAP)¹ $ 50.11 $ 39.25 $ 34.15 $ 30.34 $ 27.04

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

Less: Non-interest expense 87,312 74,518 59,955 43,471 32,745

Less: Gain (loss) on sale of securities 609 3,286 — (37) —

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

*Periods less than one year are annualized.

For Year Ending

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Document and Entity Information

Jul. 21, 2026

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Jul. 21, 2026

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METROPOLITAN BANK HOLDING CORP.

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001-38282

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13-4042724

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99 Park Avenue

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New York

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10016

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