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Dec 31, 2025
Metropolitan Bank Q4 2025 Earnings Report
Metropolitan Bank Holding Corp. reported its fourth quarter and full year 2025 results, with net income of $28.9 million and diluted EPS of $2.77, supported by continued margin expansion to 4.10% and an achieved quarterly annualized ROAE of 15.6%.
Key Takeaways
Metropolitan Bank Holding Corp. delivered strong financial performance in the fourth quarter of 2025, with net income reaching $28.9 million and diluted earnings per share of $2.77. The company achieved a net interest margin of 4.10% and an annualized return on average equity of 15.6%, driven by robust loan and deposit growth and effective risk management.
Diluted earnings per share for Q4 2025 were $2.77, a significant increase from $0.67 in the prior linked quarter and $1.88 in the prior year period.
Net interest income for Q4 2025 increased by 10.4% from the prior linked quarter and 28.1% from the prior year period, reaching $85.3 million.
The net interest margin expanded to 4.10% in Q4 2025, an increase of 22 basis points from the prior linked quarter and 44 basis points from the prior year period.
Total deposits grew by 4.3% from the prior linked quarter and 23.3% from the prior year, reaching $7.4 billion at December 31, 2025.
Revenue by Segment
Forward Guidance
Metropolitan Bank Holding Corp. is committed to leveraging its Q4 2025 success and momentum to deliver exceptional customer service and long-term value to investors in 2026, while navigating potential risks.
Positive Outlook
- Continued execution on organic growth strategy, with loan growth funded entirely by deposit growth.
- Robust cash position and ability to pay off wholesale funding.
- Strong net interest margin and return on average tangible common equity.
- Well-capitalized status, with risk-based capital ratios well above regulatory minimums.
- Commitment to delivering exceptional customer service and long-term value proposition to investors.
Challenges Ahead
- Potential impact of interest rate policies of the Federal Reserve and other regulatory bodies.
- Risk of unexpected deterioration in loan or securities portfolios.
- Changes in liquidity, including deposit portfolio composition and uninsured deposits.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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