Metropolitan Bank Q4 Earnings Call Highlights

2 days ago 2

MarketBeat

Wed, January 21, 2026 astatine 11:14 AM CST 8 min read

Metropolitan Bank logo

Metropolitan grew loans astir $775 cardinal (≈13%) and deposits astir $1.4 cardinal (≈23%) successful 2025, though Q4 indebtedness balances were level owed to elevated prepayments (~$317 million); absorption expects to clasp ~75–80% of astir $1.1 cardinal of near-term maturities.
The slope reported borderline and backing improvements with a 4.1% NIM (up 22 bps q/q), higher nett involvement income, a 43 bp diminution successful the outgo of interest-bearing deposits, and elimination of $450 million of wholesale backing during 2025.
For 2026 absorption targets astir $800 cardinal (≈12%) indebtedness maturation funded by deposits, humble NIM enlargement to ~4.10%, operating disbursal guidance of $189–191 million, and expects ROTCE to attack 16% by Q4 2026.
Interested successful Metropolitan Bank Holding Corp.? Here are 5 stocks we similar better.

Metropolitan Bank (NYSE:MCB) executives highlighted a beardown decorativeness to 2025 connected the company’s fourth-quarter net call, pointing to maturation successful nett involvement margin, nett involvement income, deposits, and loans, alongside continued advancement connected operating efficiency. President and CEO Mark DeFazio said the fourth-quarter momentum “sets a coagulated instauration for meaningful advancement successful 2026 and beyond,” portion stressing disciplined underwriting and a franchise-wide hazard absorption culture.

DeFazio said the slope expanded its indebtedness portfolio by astir $775 cardinal successful 2025, representing astir 13% growth, with full indebtedness originations of astir $1.9 billion. Deposits accrued by astir $1.4 billion, oregon astir 23%, which absorption attributed to strategical backing initiatives aimed astatine deepening existing deposit verticals and diversifying the backing base.

→ Can't Choose Between Silver and Gold? These ETFs Hold Both

CFO Daniel Dougherty noted the indebtedness publication was “essentially flat” successful the 4th quarter, mostly owed to elevated prepayments of astir $317 million, astir $150 cardinal supra the trailing three-quarter tally rate. Fourth-quarter full originations and draws were astir $599 cardinal astatine a weighted mean coupon (net of fees) of 7.28%. The origination premix remained accordant with caller past astatine astir 70% fixed-rate and 30% floating-rate production.

Looking ahead, Dougherty said the slope has astir $1.1 cardinal of maturities implicit the adjacent six months with a weighted mean coupon of 6.94%, and the institution assumes it volition clasp astir 75% to 80% of those currency flows. In the company’s forecast model, renewals are assumed to reprice astir 25 to 50 ground points beneath caller origination rates, with coupons inactive “well supra 7%” based connected existent dispersed assumptions.