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AI Earnings Predictions for Metropolitan Bank Holding Corp. (MCB)

Machine learning predictions based on historical earnings data and price patterns

Latest Prediction

BUY

1-Day Prediction

+3.86%

$82.70

100% positive prob.

5-Day Prediction

+9.01%

$86.80

100% positive prob.

20-Day Prediction

+9.90%

$87.52

95% positive prob.

Price at prediction: $79.63 Confidence: 100.0% Model AUC: 1.0000 Quarter: Q4 2025

Earnings Transcripts

SEC 8-K filings with transcript text

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2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 20, 2026 · 100% conf.

AI Prediction BUY

1D

+3.86%

$82.70

Act: +13.91%

5D

+9.01%

$86.80

Act: +12.45%

20D

+9.90%

$87.52

Act: +18.87%

Price: $79.63 Prob +5D: 100% AUC: 1.000
0001104659-26-005053

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) ​

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 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 ​ ​ ​ ​

2025
Q3

Q3 2025 Earnings

8-K

Oct 23, 2025

0001104659-25-101838

METROPOLITAN BANK HOLDING CORP._October 23, 2025 0001476034false00014760342025-10-232025-10-23 ​

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): October 23, 2025 ​

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 October 23, 2025, 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 third quarter of 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 third quarter of 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 October 23, 2025

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: October 23, 2025By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2025
Q2

Q2 2025 Earnings

8-K

Jul 17, 2025

0001558370-25-009277

METROPOLITAN BANK HOLDING CORP._July 17, 2025 0001476034false00014760342025-07-172025-07-17 ​

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 17, 2025 ​

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 17, 2025, 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 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 second quarter of 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 8.01Other Events ​ Cash Dividend On July 17, 2025, the Company’s board of directors declared a quarterly dividend of $0.15 per share on the Company’s common stock (the “Dividend”), the Company’s first cash dividend since its initial public offering in 2017. The Company expects to continue to distribute regular cash dividends subject to the discretion of the board of directors and in accordance with applicable securities, corporate and banking laws, rules, regulations, and guidance. The Dividend is payable on August 11, 2025 to holders of record of the Company’s common stock at the close of business on July 28, 2025. ​ Share Repurchase Program On July 17, 2025, the Company’s board of directors approved a new share repurchase plan with authorization to purchase up to $50 million of the Company’s common stock. The Company may repurchase shares of common stock from time to time on the open market or by other means in accordance with applicable securities laws and other restrictions, including, in part, under a Rule 10b5-1plan, which allows share repurchases when the Company might otherwise be precluded from doing so. The number of shares to be repurchased and the timing of repurchases, if any, will depend on several factors, including market conditions, prevailing share price, corporate and regulatory requirements, and other considerations. The Company intends to fund the share repurchase plan with available cash. The share repurchase plan has no expiration date, may be discontinued or suspended at any time and does not obligate the Company to acquire any amount of its common stock. A copy of the press release announcing the declaration of the Dividend and the appro

2025
Q1

Q1 2025 Earnings

8-K

Apr 21, 2025

0001558370-25-005073

METROPOLITAN BANK HOLDING CORP._April 21, 2025 0001476034false00014760342025-04-212025-04-21 ​

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): April 21, 2025 ​

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 April 21, 2025, 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 first quarter of 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 first quarter of 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 April 21, 2025

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: April 21, 2025By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2024
Q4

Q4 2024 Earnings

8-K

Jan 23, 2025

0001558370-25-000363

METROPOLITAN BANK HOLDING CORP._January 23, 2025 0001476034false00014760342025-01-232025-01-23 ​

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 23, 2025 ​

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 January 23, 2025, 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 of 2024. 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 of 2024 (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 23, 2025

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 23, 2025By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2024
Q3

Q3 2024 Earnings

8-K

Oct 17, 2024

0001558370-24-013370

0001476034false00014760342024-10-172024-10-17 ​

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): October 17, 2024 ​

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 October 17, 2024, 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 third quarter of 2024. 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 third quarter of 2024 (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 October 17, 2024

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: October 17, 2024By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2024
Q2

Q2 2024 Earnings

8-K

Jul 18, 2024

0001558370-24-009892

0001476034false00014760342024-07-182024-07-18 ​

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 18, 2024 ​

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 18, 2024, 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 2024. 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 2024 (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 18, 2024

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 18, 2024By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2024
Q1

Q1 2024 Earnings

8-K

Apr 18, 2024

0001558370-24-005312

0001476034false00014760342024-04-182024-04-18 ​

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): April 18, 2024 ​

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 April 18, 2024, 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 first quarter of 2024. 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 first quarter of 2024 (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 April 18, 2024

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: April 18, 2024By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2023
Q4

Q4 2023 Earnings

8-K

Jan 18, 2024

0001558370-24-000362

0001476034false00014760342024-01-182024-01-18 ​

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 18, 2024 ​

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 January 18, 2024, 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 of 2023. 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 of 2023 (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 18, 2024

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 18, 2024By:/s/ Daniel F. Dougherty Daniel F. Dougherty Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2023
Q3

Q3 2023 Earnings

8-K

Oct 19, 2023

0001558370-23-016541

0001476034false00014760342023-10-192023-10-19 ​

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): October 19, 2023 ​

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 October 19, 2023, 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 third quarter of 2023. 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 third quarter of 2023 (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 October 19, 2023

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: October 19, 2023By:/s/ Gregory A. Sigrist Gregory A. Sigrist Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2023
Q2

Q2 2023 Earnings

8-K

Jul 20, 2023

0001558370-23-012009

0001476034false00014760342023-07-202023-07-20 ​

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): July 20, 2023 ​

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 20, 2023, 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 2023. 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 2023 (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 20, 2023

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 20, 2023By:/s/ Gregory A. Sigrist Gregory A. Sigrist Executive Vice President and Chief Financial Officer ​ ​ ​ ​

2023
Q1

Q1 2023 Earnings

8-K

Apr 18, 2023

0001558370-23-006144

0001476034false00014760342023-04-182023-04-18 ​

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): April 18, 2023 ​

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 April 18, 2023, 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 first quarter of 2023. 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 first quarter of 2023 (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 April 18, 2023

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: April 18, 2023 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

​ ​ ​ ​

2022
Q4

Q4 2022 Earnings

8-K

Jan 20, 2023

0001558370-23-000381

0001476034false00014760342023-01-202023-01-20 ​

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, 2023 ​

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 January 20, 2023, 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 ending 2022. 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 ending 2022 (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 8.01Other Events ​ Regulatory Matters ​ There are ongoing investigations by federal and state governmental entities concerning a prepaid debit card product program that was offered by the Company through an independent program manager. These include investigations as to which the Company is a subject by the Board of Governors of the Federal Reserve System (the “Federal Reserve”) and certain state authorities, including the New York State Department of Financial Services (the “NYSDFS”). During the early stages of the COVID-19 pandemic, third parties used this prepaid debit card product to establish unauthorized accounts and to receive unauthorized government benefits payments, including unemployment insurance benefits payments made pursuant to the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act from many states. The Company ceased accepting new accounts from this program manager in July of 2020 and has exited its relationship with this program manager. The Company is cooperating in these investigations and continues to review this matter. As the Company has previously disclosed, the foregoing could result in enforcement or other actions against the Company and the Bank including civil money penalties and remedial measures. ​ The Bank is in discussions with the Federal Reserve and the NYSDFS with respect to consensual resolutions of their investigations. Although the Company is unable at this time to determine the final terms on which the Federal Reserve and NYSDFS investigations will be resolved or the timing of such resolutions, the Company accrued a pre-tax charge of $35 million during the fourth quarter of 2022 to establish a reserve for what the Comp

2022
Q3

Q3 2022 Earnings

8-K

Oct 20, 2022

0001558370-22-015130

0001476034false00014760342022-10-202022-10-20 ​

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): October 20, 2022 ​

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 October 20, 2022 Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the third quarter of 2022. 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 third quarter of 2022 (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 October 20, 2022

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: October 20, 2022 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

​ ​ ​ ​

2022
Q2

Q2 2022 Earnings

8-K

Jul 21, 2022

0001104659-22-081582

0001476034 false

0001476034

2022-07-21 2022-07-21

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

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, 2022

METROPOLITAN BANK HOLDING CORP.

(Exact name of the registrant as specified in its charter)

New York

001-38282

13-4042724

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS 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)

N/A

(Former name or former address, 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 x

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 2.02 Results of Operations and Financial Condition

On July 21, 2022, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the second quarter of 2022. 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 7.01 Regulation 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 2022 (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, 2022

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, 2022 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

2022
Q1

Q1 2022 Earnings

8-K

Apr 21, 2022

0001104659-22-048391

0001476034 false

0001476034

2022-04-21 2022-04-21

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

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): April 21, 2022

METROPOLITAN BANK HOLDING CORP.

(Exact name of the registrant as specified in its charter)

New York

001-38282

13-4042724

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS 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)

N/A

(Former name or former address, 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 x

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 April 21, 2022, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the three months ended March 31, 2022. 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 three months ended March

31, 2022 (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 April 21, 2022

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: April 21, 2022 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

2021
Q4

Q4 2021 Earnings

8-K

Jan 20, 2022

0001104659-22-006014

0001476034 false

0001476034

2022-01-20 2022-01-20

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

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, 2022

METROPOLITAN BANK HOLDING CORP.

(Exact name of the registrant as specified in its charter)

New York

001-38282

13-4042724

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS 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)

N/A

(Former name or former address, 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 x

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 January 20, 2022, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the three and twelve months ended December 31, 2021. 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 three and twelve months ended

December 31, 2021 (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, 2022

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, 2022 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

2021
Q3

Q3 2021 Earnings

8-K

Oct 21, 2021

0001104659-21-128152

0001476034 false

0001476034

2021-10-20 2021-10-20

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

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):  October 20, 2021

METROPOLITAN BANK HOLDING CORP.

(Exact name of the registrant as specified in its charter)

New York

001-38282

13-4042724

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS 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)

N/A

(Former name or former address, 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 x

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 October 20, 2021, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the third quarter of 2021. 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 third quarter of 2021 (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 October 20, 2021

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: October 20, 2021 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

2021
Q2

Q2 2021 Earnings

8-K

Jul 21, 2021

0001104659-21-094454

0001476034 false

0001476034

2021-07-21 2021-07-21

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

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, 2021

METROPOLITAN BANK HOLDING CORP.

(Exact name of the registrant as specified in its charter)

New York

001-38282

13-4042724

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS 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)

N/A

(Former name or former address, 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 x

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, 2021, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the second quarter of 2021. 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 2021 (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, 2021

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, 2021 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

2021
Q1

Q1 2021 Earnings

8-K

Apr 22, 2021

0001104659-21-053468

0001476034 false

0001476034

2021-04-21 2021-04-21

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

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):  April 21, 2021

METROPOLITAN BANK HOLDING CORP.

(Exact name of the registrant as specified in its charter)

New York

001-38282

13-4042724

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS 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)

N/A

(Former name or former address, 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 x

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 April 21, 2021, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank, issued a press release announcing its financial results for the three months ended March 31, 2021. 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 three months ended March 31, 2021 (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 April 21, 2021

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: April 21, 2021 By: /s/ Gregory A. Sigrist

Gregory A. Sigrist

Executive Vice President and Chief Financial Officer

About Metropolitan Bank Holding Corp. (MCB) Earnings

This page provides Metropolitan Bank Holding Corp. (MCB) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.

Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on MCB's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.

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