Q4 2025 Metropolitan Bank Holding Corp Earnings Call Transcript
Key Points
- Metropolitan Bank Holding Corp (MCB) reported sustained growth in net interest margin, net interest income, deposits, and loans for the fourth quarter and full year 2025.
- The company expanded its loan portfolio by approximately $775 million, representing a growth of nearly 13%.
- Deposits increased by roughly $1.4 billion, or about 23%, supported by strategic funding initiatives.
- Asset quality remains solid with no broad-based negative trends across loan segments, geographies, or sectors.
- The company plans to open two new branches in Florida in the first half of 2026, enhancing its presence in key growth markets.
- Loan growth was limited in the fourth quarter due to prepayments of approximately $317 million, which was about $150 million above the trailing three-quarter run rate.
- The cost of interest-bearing deposits declined by 43 basis points, but the benefit of the mid-December reduction in the Fed funds' target rate will only become apparent in the first quarter.
- Non-interest income for the fourth quarter was $3.1 million, and the company does not expect to recognize further securities gains going forward.
- Operating expenses for the quarter included a $668,000 increase in technology costs related to the digital transformation project.
- The company is not currently pursuing mergers and acquisitions, focusing instead on organic growth, which may limit expansion opportunities.
Thank you for your continued patience. Your meeting will begin shortly. All right, guys. Good luck.
Please stand by. Your meeting is about to begin. Welcome to Metropolitan Commercial Bank fourth quarter 2025 earnings call. Hosting a call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive Officer, and Daniel Doherty, Executive Vice President and Chief Financial Officer. Today's call is being recorded.
(Operator Instructions)
During today's presentation, reference will be made to the company's earnings release and investor presentation, copies of which are available at mcbankny.com. Today's presentation may include forward-looking statements that are subject to risks and uncertainties that may cause actual results to differ materially.
Please refer to the company's notices regarding forward-looking statements and non-GAAP measures that appears in the earnings release and investor presentation. It is now my pleasure to turn the floor over to Mark R. DeFazio, President and Chief Executive Officer. You may begin.
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