Metropolitan Bank Holding Corp
investors.mcbankny.comWhat Do They Do?
Provides commercial and retail banking services, including loans and cash management, to businesses, public entities and individuals, primarily in the New York metropolitan area.
10-K for FY2025, filed Feb 20, 2026The Company is a bank holding company headquartered in New York, New York and registered under the BHC Act. Through its wholly owned bank…View ↗
In addition to traditional commercial banking products, the Company offers: corporate cash management and retail banking services…View ↗
The Company provides a comprehensive set of commercial and retail banking products and services customized to meet the needs of its…View ↗
How Do They Make Money?
Service charges on deposit accounts make up most of the listed revenue: customers pay transaction and overdraft fees when each occurs, and monthly maintenance fees over the month; charges are withdrawn from customer accounts.
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10-K for FY2025, filed Feb 20, 2026
FY2025 revenue by product or service ↗
$11.1M
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10-K for FY2025, filed Feb 20, 2026
$11.1M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Service charges on deposit accounts
|
76%
FY2022: 21%
|
Service charges on deposit accounts, FY2025
$8.4M Sources
|
|
Other service charges and fees
|
24%
FY2022: 6.6%
|
Other service charges and fees, FY2025
$2.7M Sources
|
Who Are Their Customers?
Commercial borrowers also hold deposit relationships; property managers, title companies and bankruptcy trustees are cash-management clients, while government bodies, municipalities and public institutions receive tailored financial solutions.
10-K for FY2025, filed Feb 20, 2026Borrowing clients – The Company generates significant deposits from its borrowing clients. The Company provides commercial clients with…View ↗
Corporate cash management clients – The Company provides corporate cash management services to clients who are in possession of, or have…View ↗
Government entities, municipalities and other local entities – The Company provides customized financial solutions for government entities…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue.
10-K for FY2025, filed Feb 20, 2026
10-K for FY2025, filed Feb 20, 2026
$71.1MView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Jul 31, 2026
Open tableView ↗
Shrinking. Revenue fell 52% in 4 years, from $23.2M in FY2021 to $11.1M in FY2025, about 17% a year.
Payments services
The older report described card issuance and digital payment settlement for financial technology partners; the latest says it exited the digital-currency business and banking services for technology companies.
10-K for FY2022, filed Feb 28, 2023 10-K for FY2025, filed Feb 20, 2026In addition to traditional commercial banking products, the Company offers corporate cash management and retail banking services, and is an…View ↗
In 2023, the Company completed the exit from the business associated with digital currency entities, commonly referred to as the…View ↗
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