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Jun 30, 2025
Metropolitan Bank Q2 2025 Earnings Report
Metropolitan Bank posted stronger earnings and initiated its first-ever cash dividend in Q2 2025.
Key Takeaways
Metropolitan Bank Holding Corp. delivered solid Q2 2025 results with higher net income and EPS, improved net interest margin, and strong loan and deposit growth. The company also announced its first cash dividend and expanded its share repurchase program.
EPS rose to $1.76 driven by higher net interest income
Net interest margin expanded to 3.83% amid disciplined pricing
Loans grew to $6.6 billion and deposits to $6.8 billion
Board declared first cash dividend and authorized $50M additional share repurchase
Revenue by Segment
Forward Guidance
Management emphasized confidence in continued earnings momentum, supported by a healthy balance sheet, strategic loan growth, and shareholder return initiatives.
Positive Outlook
- Strong balance sheet with robust liquidity
- Confident in sustained earnings growth
- Authorized additional $50M share repurchase program
- First cash dividend declared
- Well capitalized under regulatory guidelines
Challenges Ahead
- Increasing concentration in commercial real estate loans
- Higher non-performing loan ratio vs prior year
- Allowance for credit losses increased due to macroeconomic concerns
- Higher technology and licensing costs
- Deposit mix changes affecting cost of funds
Historical Earnings Impact
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Avg. Return Before/After Earnings
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