UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________________ to __________________ Commission File No. 001-38282 Metropolitan Bank Holding Corp. (Exact Name of Registrant as Specified in Its Charter) (State or O ...

Metropolitan Bank Holding Corp. (NYSE:MCB) Q1 2023 Earnings Conference Call April 19, 2023 8:30 AM ET Company Participants Mark Defazio - President, Chief Executive Officer Greg Sigrist - Executive Vice President, Chief Financial Officer Conference Call Participants Chris O’Connell - KBW Alex Lau - JP Morgan Operator Welcome to Metropolitan Commercial Bank’s first quarter 2023 earnings call. Hosting the call today from Metropolitan Commercial Bank are Mark Defazio, President and Chief Executive Officer, an ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38282 METROPOLITAN BANK HOLDING CORP. (Exact name of registrant as specified in its charter) (State or other juris ...

Metropolitan Bank Holding Corp. (NYSE:MCB) Q4 2022 Earnings Conference Call January 20, 2023 9:00 AM ET Company Participants Mark DeFazio - President and Chief Executive Officer Greg Sigrist - Executive Vice President and Chief Financial Officer Conference Call Participants Alex Lau - J.P. Morgan Chris O'Connell - KBW Operator Welcome to Metropolitan Commercial Bank's Fourth Quarter and Full Year 2022 Earnings Call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________________ to __________________ Commission File No. 001-38282 Metropolitan Bank Holding Corp. (Exact Name of Registrant as Specified in Its Charter) (State ...

Metropolitan Bank Holding Corp. (NYSE:MCB) Q3 2022 Earnings Conference Call October 21, 2022 9:00 AM ET Company Participants Mark DeFazio - President and CEO Greg Sigrist - EVP and CFO Conference Call Participants Chris O’Connell - KBW Alex Lau - JPMorgan Operator Welcome to the Metropolitan Commercial Bank's Third Quarter 2022 Earnings Call. Hosting the call today from Metropolitan Commercial Bank, are Mark DeFazio, President and Chief Executive Officer; and Greg Sigrist, Executive Vice President and Chief ...

3Q 2022 Investor Presentation Metropolitan Commercial Bank. The Entrepreneurial Bank Since 1999 мсв LISTED NYSE 1 Disclosure This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include but are not limited to the Company's future financial condition and capital ratios, results of operations and the Company's outlook and business. Forward-looking statements are not historical facts. Such stat ...

For the transition period from __________________ to __________________ Commission File No. 001-38282 Metropolitan Bank Holding Corp. (Exact Name of Registrant as Specified in Its Charter) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 New York 13- ...

Financial Data and Key Metrics Changes - The company reported record quarterly earnings with a return on average tangible common equity of 16.7% [4] - Revenues increased by 44% year-over-year, while non-interest expenses rose by 21%, resulting in an efficiency ratio improvement from 50.3% to 42.2% [8] - Total loans reached $926 million, up 27%, and total deposits increased by $890 million, or 17%, with demand deposit accounts (DDAs) rising by $676 million, or 24% [8] Business Line Data and Key Metrics Changes - The Global Payments Group (GPG) saw revenues increase by 36% compared to Q2 2021, with transaction volumes up 29% to 29.1 million and dollar volume of transactions rising 47% to over $8 billion [9] - Loan originations reached a record $513 million in the quarter, up 5% from Q1 and 93% year-over-year [16] - Credit quality remained strong with no charge-offs in 2022 and nonperforming loans effectively at zero [17] Market Data and Key Metrics Changes - Retail deposits, including those with loan customers, increased by $175.6 million, reflecting strong client engagement [18] - The company maintained a robust liquidity position with 19% of total assets in overnight deposits and total on-balance sheet liquidity at nearly 34% of total assets [20] Company Strategy and Development Direction - The company focuses on assisting clients in building generational wealth, which has been the foundation of its growth and success [4] - MCB is strategically limiting crypto-related deposits to 50% of total available for investment or lending, maintaining 100% of crypto-related deposits in Federal Reserve accounts due to volatility [6] - The company aims to build a scalable and profitable digital retail platform within a commercial bank, emphasizing the importance of choosing the right clients and regulatory partnerships [9] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strong loan growth pipeline and the ability to manage asset quality while being opportunistic [30] - The company is cautious about potential paydowns and amortization affecting loan growth in the second half of the year [31] - Management noted that the GPG business is traditional retail banking and is not immune to economic slowdowns, but they expect consistent contributions from GPG month-over-month and year-over-year [42] Other Important Information - The company held $455 million in Voyager-related deposits as of June 30, with $272 million currently in the FBO account [12] - Voyager's bankruptcy represents less than 3% of GPG's revenue, indicating minimal impact on overall company performance [13] - The effective tax rate for the remainder of the year is expected to be in the range of 31% to 32% [24] Q&A Session Summary Question: Loan growth expectations - Management indicated that while they are focused on asset quality, they are optimistic about maintaining strong loan growth, potentially exceeding 20% for the year [30] Question: Impact of paydowns on loan growth - Management acknowledged that they expect a fair amount of amortization and payoffs throughout the second half of the year [31] Question: Voyager-related deposits and their impact - Management clarified that the current FBO balance is $272 million, and if the stay is lifted, these funds could leave the bank over time [38] Question: Non-Voyager crypto deposits trends - Management expressed confidence in the stability of non-Voyager crypto deposits, noting that clients are managing their businesses effectively in the current environment [42] Question: Expense growth outlook - Management indicated that they will continue to invest in human capital and technology, expecting some uptick in expenses but focusing on positive operating leverage [69]

2Q 2022 Investor Presentation Metropolitan Commercial Bank. The Entrepreneurial Bank Since 1999 мсв LISTED NYSE 1 This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include but are not limited to the Company's future financial condition and capital ratios, results of operations and the Company's outlook and business. Forwardlooking statements are not historical facts. Such statements may b ...