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- ...

Start Time: 09:00 January 1, 0000 9:39 AM ET Metropolitan Bank Holding Corp. (NYSE:MCB) Q2 2022 Earnings Conference Call July 22, 2022, 09:00 AM ET Company Participants Mark DeFazio - President and CEO Greg Sigrist - EVP and CFO Conference Call Participants Alex Lau - JPMorgan Chris O’Connell - Keefe, Bruyette & Woods Operator Welcome to the Metropolitan Commercial Bank Second Quarter 2022 Earnings Call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive ...

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 ...

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, 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) New York 13 ...

Financial Data and Key Metrics Changes - Net income for Q1 2022 was $19.02 million, translating to $1.69 of fully diluted earnings per share [16] - Total revenues increased by 39%, while non-interest expenses rose by 21%, resulting in an efficiency ratio improvement from 52.1% to 45.6% [11] - Total loans grew by $884 million or 27%, and total deposits increased by $1.5 billion or 34% [11] Business Line Data and Key Metrics Changes - The Global Payments Group saw revenues rise by 68% year-over-year, with transaction volumes up 74% and dollar volume transactions increasing by 147% to over $8 billion [12] - Loan originations reached $490 million, up 19% from the previous quarter and 107% year-over-year, with net loan growth of $390 million or 10.4% in the quarter [17] - New deposit inflows amounted to $190 million, primarily from the Commercial Bank, with $100 million being non-interest-bearing [10] Market Data and Key Metrics Changes - The average GPG deposits were up 15% from the fourth quarter, although there was a decline later in the quarter due to strategic moves by clients [19] - The total cost of deposits decreased by 2 basis points to 23 basis points, while the total cost of funds remained steady at 28 basis points [20] Company Strategy and Development Direction - The company aims to leverage its low-cost deposit base to manage margins and deploy excess liquidity into higher-earning assets [6] - MCB is focused on assisting clients in building generational wealth, which aligns with its long-term business strategy [10] - The company is optimistic about growth across various verticals, including GPG, healthcare, and commercial lending [50] Management's Comments on Operating Environment and Future Outlook - Management acknowledged challenges such as the Omicron variant, geopolitical risks, and inflation but emphasized the bank's resilience and ability to grow through these disruptions [4][5] - The pipeline for loan originations remains robust, and management expects strong asset quality and loan growth to continue throughout the year [32][46] - The company is well-positioned to benefit from rising interest rates, with a significant portion of its loan portfolio being floating rate [22] Other Important Information - The effective tax rate for the quarter was 27%, with expectations for the full year to be in the range of 31% to 32% [24] - Capital levels remain strong, with all capital ratios significantly above well-capitalized levels [25] Q&A Session Summary Question: Impact of new client acquisition on deposit flows - Management indicated that the integration with the new cryptocurrency exchange client will lead to deposit flows returning over time [28] Question: Loan growth outlook for the year - Management expects robust loan originations and strong asset quality to continue, although some moderation may occur [32][33] Question: Expectations for deposit betas in a rising rate environment - Management anticipates being diligent with deposit betas and does not expect significant pressure to raise rates due to the nature of their commercial banking operations [52] Question: Drivers behind strong loan originations - Management believes the strong loan originations will continue throughout the year due to active client engagement and strategic initiatives [46] Question: Trends in client transaction volumes - Management noted that transaction volumes were affected by macroeconomic factors, including the Omicron variant and geopolitical issues [55]

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, 2021 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) New York 13-4042724 ( ...

Metropolitan Bank Holding Corp. (NYSE:MCB) Q4 2021 Earnings Conference Call January 21, 2022 9:00 AM ET Company Participants Mark R. DeFazio - President & CEO Greg Sigrist - EVP & CFO Conference Call Participants Alex Lau - JP Morgan Chris O'Connell - KBW Disclaimer*: This transcript is designed to be used alongside the freely available audio recording on this page. Timestamps within the transcript are designed to help you navigate the audio should the corresponding text be unclear. The machine-assisted out ...

Investor Presentation 4Q 2021 The Entrepreneurial Bank Since 1999 мсв LISTED NYSE | --- | --- | --- | --- | |------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q 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) New York 13-4042724 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Employer Identification No.) 99 Park A ...

Table of Contents 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, 2021 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 Cha ...