Metropolitan Bank Holding Corp (MCB) is a bank holding company headquartered in New York, New York that provides business, commercial, and retail banking products and services through its wholly owned subsidiary, Metropolitan Commercial Bank, a New York state-chartered commercial bank. The company makes money primarily through interest income on loans and deposits, serving small businesses, middle-market enterprises, public entities, and individuals. Its founding members, including Chief Executive Officer Mark DeFazio, established the company with a focus on the New York metropolitan area. The bank also references a Banking-as-a-Service (BaaS) business line in its filing disclosures, alongside a Global Payments group. Metropolitan Commercial Bank operates as a New York state-chartered institution regulated by the Federal Reserve Bank of New York and the Federal Deposit Insurance Corporation, and the holding company is registered under the Bank Holding Company Act of 1956.

Revenue model

Interest income from loans extended to small businesses, middle-market enterprises, public entities, and individuals, supplemented by fee-based banking services. The company also operated a Banking-as-a-Service segment, as referenced in the FY2025 10-K filing.

Products and services

Business banking, commercial banking, and retail banking products and services. Banking-as-a-Service (BaaS) and Global Payments group services are also referenced in the filing.

Customers and end markets

Small businesses, middle-market enterprises, public entities, and individuals, primarily in the New York metropolitan area.

Value-chain role

Direct lender and deposit-taking commercial bank; holding company structure with Metropolitan Commercial Bank as the operating subsidiary.

Geographic exposure

Primarily the New York metropolitan area, as disclosed in the FY2025 10-K filed 2026-02-20.

Source: SEC 10-K, filed 2026-02-20

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