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Metropolitan Commercial Bank
New York, NY·FDIC Cert #34699·Charter: STATE·Est. 19990621.0·HC: METROPOLITAN BANK HOLDING CORP
Total Assets
$8.3B
Q4 2025
Return on Assets
0.97%
+0.18%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.76%
Peer avg: 56.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.97%+0.18
ROE
10.57%+2.01
Efficiency
53.76%-1.91
Equity/Assets
0.00%+0.00
NPL Ratio
1.29%+0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.32%-3.37
Charge-offs
0.06%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 0.9 | 1.0 | 1.0 | 1.0 | 0.8 | 1.0 |
| ROE | 10.4 | 10.4 | 9.4 | 10.2 | 10.0 | 10.5 | 8.6 | 10.6 |
| Efficiency | 60.4 | 60.5 | 63.6 | 60.5 | 57.4 | 55.7 | 55.7 | 53.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.5 | 0.5 | 0.5 | 0.6 | 0.6 | 1.2 | 1.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | 0.1 | 0.1 |
| Loan/Deposit | 90.2 | 93.1 | 92.4 | 99.3 | 96.1 | 95.8 | 93.7 | 90.3 |
Balance Sheet
Total Assets$8.3B
Total Deposits$7.4B
Total Loans$6.7B
Total Equity$726.7M
Profitability
ROA0.97%
ROE10.57%
Efficiency Ratio53.76%
Net Income$76.4M
Risk & Asset Quality
NPL Ratio1.29%
Charge-off Rate0.06%
Loan/Deposit90.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans