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EX-99.1

2 mcb-20260421xex99d1.htm

EX-99.1

Exhibit 99.1

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​

Release:

4:05 P.M. April 21, 2026

212-365-6721

IR@MCBankNY.com

​

Metropolitan Bank Holding Corp. Reports First Quarter 2026 Results

Strong Financial Performance and Successful Follow on Equity offering Highlight First Quarter Results

​

Financial Highlights

●Diluted earnings per share of $2.92 for the first quarter of 2026, compared to $2.77 for the prior linked quarter and $1.45 for the prior year period.

●Net interest income for the first quarter of 2026 was $85.9 million, an increase of $19.0 million or 28.3%, compared to the prior year period.

●The net interest margin for the first quarter of 2026 was 4.08%, an increase of 40 basis points compared to 3.68% for the prior year period.

●Annualized return on average equity (“ROAE”) of 15.4% and annualized return on average tangible common equity1 (“ROATCE”) of 15.6% for the first quarter of 2026.

●The Company completed a public equity offering of approximately 2.3 million shares of common stock at a price of $85.00 per share, resulting in proceeds, net of underwriting discounts and commissions of approximately $186.8 million.

●On April 20, 2026, the board of directors declared a quarterly cash dividend of $0.25 per share on the Company’s common stock, an increase of $0.05 from the prior quarterly dividend of $0.20 per share.

●Total loans at March 31, 2026 were $7.0 billion, an increase of $236.3 million, or 3.5%, from December 31, 2025 and $704.4 million, or 11.1%, from March 31, 2025.

●Total deposits at March 31, 2026 were $7.7 billion, an increase of $362.5 million, or 4.9%, from December 31, 2025 and $1.3 billion, or 20.0%, from March 31, 2025.

●The Company and Bank have total risk-based capital ratios of 14.6% and 14.3%, respectively, at March 31, 2026, well above regulatory minimums. The Bank is “well capitalized” under all applicable regulatory guidelines.

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1 Non-GAAP financial measure. See Reconciliation of Non-GAAP Measures on page 11.

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NEW YORK, April 21, 2026 ‒ Metropolitan Bank Holding Corp. (the “Company”) (NYSE: MCB), the holding company for Metropolitan Commercial Bank (the “Bank”), reported net income of $31.4 million, or $2.92 per diluted common share, for the first quarter of 2026 compared to $28.9 million, or $2.77 per diluted common share, for the fourth quarter of 2025 and $16.4 million, or $1.45 per diluted common share, for the first quarter of 2025.

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1

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Mark DeFazio, President and Chief Executive Officer, commented,

“Our first quarter results reflect the continued strength and momentum of our business model. Driven by disciplined balance sheet management and continued growth across our core client base, we delivered diluted earnings per share of $2.92, strong core margin expansion, and solid returns on equity. Net interest income increased more than 28% year over year, reflecting disciplined loan pricing, funding mix optimization, and consistent execution in a dynamic interest-rate environment.

Loan and deposit growth was robust during the quarter, highlighting the durability of our franchise and the deepened relationships we continue to build with our clients. Total loans increased to $7.0 billion, while deposits grew to $7.7 billion, demonstrating our ability to grow prudently with core funding while maintaining strong credit discipline.

We also strengthened our capital position with the successful completion of our follow-on public equity offering. Our robust capital position provides us with the ability to support significant future growth while enhancing the strength of our balance sheet. In addition, the Board’s decision to increase the quarterly dividend underscores our confidence in the Company’s earnings power and long-term outlook.

We enter the remainder of 2026 well positioned, with strong capital levels, a proven operating model, and a clear strategic focus on delivering sustainable growth and long-term value for our shareholders.”

Balance Sheet

Total loans, net of deferred fees and unamortized costs, were $7.0 billion at March 31, 2026, an increase of $236.3 million, or 3.5%, from December 31, 2025, and an increase of $704.4 million, or 11.1%, from March 31, 2025. Loan production was $428.3 million for the first quarter of 2026 compared to $510.9 million for the prior linked quarter and $409.8 million for the prior year period. The increase in total loans from December 31, 2025 was due primarily to an increase of $233.1 million in commercial real estate (“CRE”) loans (including owner-occupied). The increase in total loans from March 31, 2025 was due primarily to an increase of $840.3 million in CRE loans (including owner-occupied), partially offset by a decrease of $143.5 million in commercial and industrial loans.

Total deposits were $7.7 billion at March 31, 2026, an increase of $362.5 million, or 4.9%, from December 31, 2025, and an increase of $1.3 billion, or 20.0%, from March 31, 2025. Deposit growth for the quarter was

METROPOLITAN BANK HOLDING CORP._January 20, 2026 0001476034false00014760342026-01-202026-01-20 ​

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): January 20, 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) ​

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​

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. ☐ ​ ​ ​ ​

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Item 2.02Results of Operations and Financial Condition ​ On January 20, 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 fourth quarter and full year 2025. 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 fourth quarter and full year 2025 (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 January 20, 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: January 20, 2026By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​