$MCB
Metropolitan Bank Holding Corp.

2021 Q4 Form 10-K Financial Statement

#000155837022003202 Filed on March 10, 2022

View on sec.gov

Income Statement

Concept 2021 Q4 2021 Q3 2021 Q2
Revenue $49.11M $45.02M $41.05M
YoY Change 33.23% 25.24% 19.95%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $1.090M
YoY Change
% of Gross Profit
Depreciation & Amortization $1.730M $950.0K $1.110M
YoY Change -205.49% -57.01% 44.16%
% of Gross Profit
Operating Expenses $1.090M
YoY Change
Operating Profit
YoY Change
Interest Expense $4.300M $4.226M $4.077M
YoY Change 26.66% 16.71% 0.37%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $28.05M $24.21M $19.57M
YoY Change 62.55% 52.32% 24.11%
Income Tax $9.165M $7.994M $6.229M
% Of Pretax Income 32.67% 33.02% 31.84%
Net Earnings $18.89M $16.22M $13.34M
YoY Change 60.4% 50.38% 23.36%
Net Earnings / Revenue 38.46% 36.02% 32.49%
Basic Earnings Per Share $1.74 $1.82 $1.59
Diluted Earnings Per Share $1.69 $1.77 $1.55
COMMON SHARES
Basic Shares Outstanding 10.64M 8.619M 8.312M
Diluted Shares Outstanding 8.893M 8.543M

Balance Sheet

Concept 2021 Q4 2021 Q3 2021 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $2.359B $1.857B $1.719B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $15.12M $14.03M $13.34M
YoY Change 12.18% -11.83% -11.47%
Goodwill $9.733M $9.733M $9.733M
YoY Change 0.0% 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $7.116B $6.141B $5.787B
YoY Change 64.32% 53.46% 45.76%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $700.0K $400.0K $1.800M
YoY Change 0.0% -20.0% 50.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $700.0K $400.0K $1.800M
YoY Change -98.86% -20.0% -94.83%
LONG-TERM LIABILITIES
Long-Term Debt $77.80M $80.90M $81.80M
YoY Change -5.35% 4.39% -6.19%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $77.80M $80.90M $81.80M
YoY Change -5.35% 4.39% -6.19%
TOTAL LIABILITIES
Total Short-Term Liabilities $700.0K $400.0K $1.800M
Total Long-Term Liabilities $77.80M $80.90M $81.80M
Total Liabilities $6.559B $5.599B $5.424B
YoY Change 64.39% 52.42% 48.46%
SHAREHOLDERS EQUITY
Retained Earnings $181.4M $162.5M $146.3M
YoY Change 50.12% 49.01% 48.86%
Common Stock $109.0K $106.0K $83.00K
YoY Change 32.93% 29.27% 1.22%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $557.0M $542.7M $363.6M
YoY Change
Total Liabilities & Shareholders Equity $7.116B $6.141B $5.787B
YoY Change 64.32% 53.46% 45.76%

Cashflow Statement

Concept 2021 Q4 2021 Q3 2021 Q2
OPERATING ACTIVITIES
Net Income $18.89M $16.22M $13.34M
YoY Change 60.4% 50.38% 23.36%
Depreciation, Depletion And Amortization $1.730M $950.0K $1.110M
YoY Change -205.49% -57.01% 44.16%
Cash From Operating Activities $15.49M $23.53M -$1.640M
YoY Change -49.69% 60.72% -107.8%
INVESTING ACTIVITIES
Capital Expenditures -$2.160M -$1.090M $20.00K
YoY Change -173.47% -56.4% -103.57%
Acquisitions
YoY Change
Other Investing Activities -$485.3M -$215.3M -$275.5M
YoY Change 108.57% 150.15% 146.0%
Cash From Investing Activities -$487.4M -$216.4M -$275.5M
YoY Change 112.17% 144.32% 144.74%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 973.8M 331.1M 861.4M
YoY Change 229.72% 1628.83% 158.44%
NET CHANGE
Cash From Operating Activities 15.49M 23.53M -1.640M
Cash From Investing Activities -487.4M -216.4M -275.5M
Cash From Financing Activities 973.8M 331.1M 861.4M
Net Change In Cash 501.9M 138.2M 584.3M
YoY Change 420.61% -352.3% 141.68%
FREE CASH FLOW
Cash From Operating Activities $15.49M $23.53M -$1.640M
Capital Expenditures -$2.160M -$1.090M $20.00K
Free Cash Flow $17.65M $24.62M -$1.660M
YoY Change -36.62% 43.64% -107.69%

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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;margin:0pt 0pt 12pt 0pt;">NOTE 1 — ORGANIZATION</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">Metropolitan Bank Holding Corp., a New York corporation (the “Company”), is a bank holding company whose principal activity is the ownership and management of Metropolitan Commercial Bank (the “Bank”), its wholly-owned subsidiary. The Company’s primary market is the New York metropolitan area. The Company provides a broad range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals. See the “Glossary of Common Terms and Acronyms” for the definition of certain terms and acronyms used throughout this Form 10-K.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">The Company’s primary lending products are CRE loans, C&amp;I loans, and multi-family loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flows from operations of businesses.</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">The Company’s primary deposit products are checking, savings, and term deposit accounts, and its deposit accounts are insured by the FDIC under the maximum amounts allowed by law. In addition to traditional commercial banking products, the Company offers corporate cash management and retail banking services and, through its Global Payments Group (“global payments business”), provides BaaS to its fintech partners, which includes serving as an issuing bank for third-party managed debit card programs nationwide and providing other financial infrastructure, including cash settlement and custodian deposit services. </p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">The Company and the Bank are subject to the regulations of certain state and federal agencies and, accordingly, are periodically examined by those regulatory authorities. The Company’s business is affected by state and federal legislation and regulations.</p>
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CY2021 us-gaap Prior Period Reclassification Adjustment Description
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<p style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:italic;font-weight:bold;margin:0pt 0pt 12pt 0pt;">Reclassifications</p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;text-align:justify;margin:0pt 0pt 12pt 0pt;">Some items in the prior year financial statements may have been reclassified to conform to the current presentation. Reclassification had no effect on prior year net income or stockholders’ equity.</p>
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FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
4918000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
30489000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
35407000
CY2020Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
17733000
CY2020Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
3124586000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
3142319000
CY2021Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
879000
CY2021Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
749000
CY2021Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
196000
CY2021 us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
4954000
CY2021 us-gaap Impaired Financing Receivable With Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod
105000
CY2021Q4 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
39164000
CY2021Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
39017000
CY2021 us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
16561000
CY2021 us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
351000
CY2020Q4 us-gaap Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
6999000
CY2020Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
6869000
CY2020Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
4918000
CY2020 us-gaap Impaired Financing Receivable With Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
5450000
CY2020 us-gaap Impaired Financing Receivable With Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod
107000
CY2020Q4 us-gaap Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
11011000
CY2020Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
10864000
CY2020 us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
4307000
CY2020 us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
58000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
10021000
CY2021Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
265000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
5620000
CY2020Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
769000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
3739527000
CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1400000
CY2021Q4 mcb Financing Receivable Modifications Specific Reserve
FinancingReceivableModificationsSpecificReserve
26000000
CY2020Q4 mcb Financing Receivable Modifications Specific Reserve
FinancingReceivableModificationsSpecificReserve
53000000
CY2020 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
14182000
CY2020Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
14555000
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
15116000
CY2020Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
13475000
CY2021 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2400000
CY2020 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2500000
CY2021Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1288000
CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
1360000
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
29298000
CY2020Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
28030000
CY2021Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
3668673000
CY2020Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
1726135000
CY2021Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
2666983000
CY2020Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
1993514000
CY2021Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
20930000
CY2020Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
17895000
CY2021Q4 us-gaap Time Deposits
TimeDeposits
78986000
CY2020Q4 us-gaap Time Deposits
TimeDeposits
92062000
CY2021Q4 us-gaap Deposits
Deposits
6435572000
CY2020Q4 us-gaap Deposits
Deposits
3829606000
CY2021Q4 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
39400000
CY2020Q4 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
42500000
CY2021Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
53736000
CY2021Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
9480000
CY2021Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
11092000
CY2021Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
4080000
CY2021Q4 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
598000
CY2021Q4 us-gaap Time Deposits
TimeDeposits
78986000
CY2020Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
0
CY2021Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
0
CY2021Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
532100000
CY2021Q4 us-gaap Long Term Line Of Credit
LongTermLineOfCredit
137000000.0
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
16883000
CY2020 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
10936000
CY2021 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
12252000
CY2020 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
7226000
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
29135000
CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
18162000
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-405000
CY2020 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
139000
CY2021 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
285000
CY2020 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
151000
CY2021 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-120000
CY2020 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
290000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
29015000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
18452000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
10670000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
11145000
CY2021Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
3731000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Reserves
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves
55000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Reserves
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves
57000
CY2021Q4 mcb Deferred Tax Assets Restricted Stock
DeferredTaxAssetsRestrictedStock
252000
CY2020Q4 mcb Deferred Tax Assets Restricted Stock
DeferredTaxAssetsRestrictedStock
90000
CY2021Q4 us-gaap Deferred Tax Assets Property Plant And Equipment
DeferredTaxAssetsPropertyPlantAndEquipment
10000
CY2020Q4 us-gaap Deferred Tax Assets Property Plant And Equipment
DeferredTaxAssetsPropertyPlantAndEquipment
14000
CY2021Q4 mcb Non Qualified Stock Options
NonQualifiedStockOptions
286000
CY2020Q4 mcb Non Qualified Stock Options
NonQualifiedStockOptions
292000
CY2020Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
564000
CY2021Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
15004000
CY2020Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
12162000
CY2021Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
3229000
CY2020Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
3731000
CY2021Q4 mcb Deferred Tax Liabilities Unrealized Gain On Interests Rate Cap
DeferredTaxLiabilitiesUnrealizedGainOnInterestsRateCap
334000
CY2020Q4 mcb Deferred Tax Liabilities Unrealized Losses On Available For Sale Securities Gross
DeferredTaxLiabilitiesUnrealizedLossesOnAvailableForSaleSecuritiesGross
1067000
CY2020Q4 mcb Deferred Tax Liabilities Pass Through Income
DeferredTaxLiabilitiesPassThroughIncome
59000
CY2021Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
459000
CY2020Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
355000
CY2021Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
12000
CY2021Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
4034000
CY2020Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
5212000
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice
18.00
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber
231000
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
20450430
CY2021 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P2Y4M17D
CY2021Q4 mcb Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Ratio
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsRatio
0.045
CY2021Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
575380000
CY2021Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
10970000
CY2020Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
6950000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
18810
CY2021 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.2100
CY2020 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
12163
CY2020 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.2100
CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
9904000
CY2021 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.1106
CY2020 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
5828000
CY2020 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.1006
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
680000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense
EffectiveIncomeTaxRateReconciliationNondeductibleExpense
0.0076
CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
457000
CY2020 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense
EffectiveIncomeTaxRateReconciliationNondeductibleExpense
0.0079
CY2021 mcb Effective Income Tax Rate Reconciliation Excess Tax Deduction Amount
EffectiveIncomeTaxRateReconciliationExcessTaxDeductionAmount
-467000
CY2021 mcb Effective Income Tax Rate Reconciliation Excess Tax Deduction Percent
EffectiveIncomeTaxRateReconciliationExcessTaxDeductionPercent
-0.0052
CY2020 mcb Effective Income Tax Rate Reconciliation Excess Tax Deduction Amount
EffectiveIncomeTaxRateReconciliationExcessTaxDeductionAmount
-59000
CY2020 mcb Effective Income Tax Rate Reconciliation Excess Tax Deduction Percent
EffectiveIncomeTaxRateReconciliationExcessTaxDeductionPercent
-0.0010
CY2021 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
51000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Tax Exempt Income
EffectiveIncomeTaxRateReconciliationTaxExemptIncome
-0.0006
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
139000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Other Adjustments
EffectiveIncomeTaxRateReconciliationOtherAdjustments
0.0015
CY2020 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
63000
CY2020 us-gaap Effective Income Tax Rate Reconciliation Other Adjustments
EffectiveIncomeTaxRateReconciliationOtherAdjustments
0.0011
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
29015000
CY2021 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.3239
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
18452000
CY2020 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.3186
CY2020Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2021Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2021Q4 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
14.1
CY2021Q4 us-gaap Common Equity Tier One Capital Required For Capital Adequacy
CommonEquityTierOneCapitalRequiredForCapitalAdequacy
177646000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due Current
OperatingLeasesFutureMinimumPaymentsDueCurrent
5084000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due In Two Years
OperatingLeasesFutureMinimumPaymentsDueInTwoYears
4889000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due In Three Years
OperatingLeasesFutureMinimumPaymentsDueInThreeYears
4687000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due In Four Years
OperatingLeasesFutureMinimumPaymentsDueInFourYears
4409000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due In Five Years
OperatingLeasesFutureMinimumPaymentsDueInFiveYears
4284000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due Thereafter
OperatingLeasesFutureMinimumPaymentsDueThereafter
27562000
CY2021Q4 us-gaap Operating Leases Future Minimum Payments Due
OperatingLeasesFutureMinimumPaymentsDue
50915000
CY2021 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
4900000
CY2020 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
4700000
CY2020Q4 us-gaap Fair Value Assets Level1 To Level2 Transfers Amount
FairValueAssetsLevel1ToLevel2TransfersAmount
0
CY2021Q4 us-gaap Fair Value Assets Level1 To Level2 Transfers Amount
FairValueAssetsLevel1ToLevel2TransfersAmount
0
CY2020Q4 mcb Fair Value Assets Measured At Fair Value On Non Recurring Basis
FairValueAssetsMeasuredAtFairValueOnNonRecurringBasis
0
CY2021Q4 mcb Fair Value Assets Measured At Fair Value On Non Recurring Basis
FairValueAssetsMeasuredAtFairValueOnNonRecurringBasis
0
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
231000
CY2020Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
18.00
CY2021 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
0
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
231000
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
18.00
CY2021 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
774000
CY2020 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
619000
CY2021 us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
89664000
CY2021 us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
346115000
CY2020 us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
53288000
CY2020 us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
266696000
CY2021Q4 us-gaap Capital
Capital
635002000
CY2021Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
16.1
CY2021Q4 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
315815000
CY2021Q4 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
8.0
CY2021Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
554760000
CY2021Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
14.6
CY2021Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
236861000
CY2021Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
6.0
CY2021Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
575380000
CY2021Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
8.5
CY2021Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
270863000
CY2021Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
4.0
CY2020Q4 us-gaap Capital
Capital
410959000
CY2020Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
12.7
CY2020Q4 mcb Capital Minimum For Capital Adequacy Plus Capital Conservation Buffer
CapitalMinimumForCapitalAdequacyPlusCapitalConservationBuffer
257941000
CY2020Q4 mcb Capital Minimum For Capital Adequacy Plus Capital Conservation Buffer To Risk Weighted Assets Ratio
CapitalMinimumForCapitalAdequacyPlusCapitalConservationBufferToRiskWeightedAssetsRatio
0.080
CY2020Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
324592000
CY2020Q4 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
10.1
CY2020Q4 mcb Common Equity Tier One Minimum For Capital Adequacy Plus Capital Conservation Buffer
CommonEquityTierOneMinimumForCapitalAdequacyPlusCapitalConservationBuffer
145092000
CY2020Q4 mcb Common Equity Tier One Capital Minimum For Capital Adequacy Plus Capital Conservation Buffer Ratio
CommonEquityTierOneCapitalMinimumForCapitalAdequacyPlusCapitalConservationBufferRatio
0.045
CY2020Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
350714000
CY2020Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
10.9
CY2020Q4 mcb Tier One Risk Based Minimum For Capital Adequacy Plus Capital Conservation Buffer
TierOneRiskBasedMinimumForCapitalAdequacyPlusCapitalConservationBuffer
193456000
CY2020Q4 mcb Tier One Risk Based Minimum For Capital Adequacy Plus Capital Conservation Buffer To Risk Weighted Assets Ratio
TierOneRiskBasedMinimumForCapitalAdequacyPlusCapitalConservationBufferToRiskWeightedAssetsRatio
0.060
CY2020Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
350714000
CY2020Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
8.5
CY2020Q4 mcb Tier One Leverage Minimum For Capital Adequacy Plus Capital Conservation Buffer
TierOneLeverageMinimumForCapitalAdequacyPlusCapitalConservationBuffer
165767000
CY2020Q4 mcb Tier One Leverage Minimum For Capital Adequacy Plus Capital Conservation Buffer To Average Assets Ratio
TierOneLeverageMinimumForCapitalAdequacyPlusCapitalConservationBufferToAverageAssetsRatio
0.040
CY2021 us-gaap Net Income Loss
NetIncomeLoss
60555000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
39466000
CY2021 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
739000
CY2020 us-gaap Undistributed Earnings Loss Allocated To Participating Securities Basic
UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic
344000
CY2021 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
59816000
CY2020 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
39122000
CY2021 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
9123037
CY2020 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
8293677
CY2021 mcb Weighted Average Number Of Shares Participating Securities
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CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
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CY2021 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Reclassification Tax
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CY2021 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
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CY2020 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
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CY2021 mcb Proceeds From Sales And Calls Of Securities
ProceedsFromSalesAndCallsOfSecurities
43200000
CY2020 mcb Proceeds From Sales And Calls Of Securities
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CY2021 us-gaap Revenue From Contract With Customer Including Assessed Tax
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CY2021Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
490000
CY2021Q2 us-gaap Provision For Loan And Lease Losses
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CY2021Q1 us-gaap Provision For Loan And Lease Losses
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CY2021Q4 us-gaap Noninterest Income
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CY2021Q4 us-gaap Interest And Dividend Income Operating
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CY2021Q4 us-gaap Interest Expense
InterestExpense
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CY2021Q3 us-gaap Interest Expense
InterestExpense
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CY2021Q2 us-gaap Interest Expense
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CY2021Q1 us-gaap Interest Expense
InterestExpense
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CY2021Q4 us-gaap Interest Income Expense Net
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CY2021Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
40792000
CY2021Q2 us-gaap Interest Income Expense Net
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CY2021Q1 us-gaap Interest Income Expense Net
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CY2021Q4 us-gaap Provision For Loan And Lease Losses
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CY2021Q3 us-gaap Noninterest Income
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CY2021Q2 us-gaap Noninterest Income
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CY2021Q1 us-gaap Noninterest Income
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CY2021Q4 us-gaap Noninterest Expense
NoninterestExpense
23314000
CY2021Q3 us-gaap Noninterest Expense
NoninterestExpense
21984000
CY2021Q2 us-gaap Noninterest Expense
NoninterestExpense
21689000
CY2021Q1 us-gaap Noninterest Expense
NoninterestExpense
20325000
CY2021Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
28052000
CY2021Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
24209000
CY2021Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
19565000
CY2021Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
17744000
CY2021Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
9165000
CY2021Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7994000
CY2021Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6229000
CY2021Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5627000
CY2021Q4 us-gaap Net Income Loss
NetIncomeLoss
18887000
CY2021Q3 us-gaap Net Income Loss
NetIncomeLoss
16215000
CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
13336000
CY2021Q1 us-gaap Net Income Loss
NetIncomeLoss
12117000
CY2021Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.74
CY2021Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.82
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1.59
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1.69
CY2021Q3 us-gaap Earnings Per Share Diluted
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1.77
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1.55
CY2021Q1 us-gaap Earnings Per Share Diluted
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1.43
CY2020Q4 us-gaap Interest And Dividend Income Operating
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CY2020Q3 us-gaap Interest Income Expense After Provision For Loan Loss
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CY2020Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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