Metropolitan Bank (NYSE: MCB) details Q4 and full-year 2025 results

Rhea-AI Filing Summary

Metropolitan Bank Holding Corp. furnished information about its latest performance rather than detailed figures. The company reported that it issued a press release announcing its financial results for the fourth quarter and full year 2025, attached as Exhibit 99.1. It also posted additional presentation materials on its website covering the same period, furnished as Exhibit 99.2. Both the press release and the presentation are treated as furnished, not filed, meaning they are provided for information purposes and are not automatically incorporated into other securities law filings.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

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Date of report (Date of earliest event reported): January 20, 2026

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METROPOLITAN BANK HOLDING CORP.

(Exact Name of Registrant as Specified in Its Charter)

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New York	001-38282	13-4042724
(State or Other Jurisdiction of Incorporation or Organization)	(Commission File No.)	(I.R.S. Employer Identification No.)
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99 Park Avenue, New York, New York	​	10016
(Address of Principal Executive Offices)	​	(Zip Code)

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(212) 659-0600

(Registrant’s Telephone Number, Including Area Code)

N/A

(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below):

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

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Title of each class	​	Trading Symbol(s)	​	Name of each exchange on which registered
Common Stock, par value $0.01 per share	​	MCB	​	New York Stock Exchange

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 2.02Results of Operations and Financial Condition

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On January 20, 2026, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank (the “Bank”), issued a press release announcing its financial results for the fourth quarter and full year 2025. The press release containing the financial results is attached hereto as Exhibit 99.1 and shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.1 be deemed incorporated by reference in any filings under the Securities Act of 1933, as amended.

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Item 7.01Regulation FD Disclosure

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The Company has also made available on its website presentation materials containing additional information about the Company’s financial results for the fourth quarter and full year 2025 (the “Presentation Materials”). The Presentation Materials are furnished herewith as Exhibit 99.2 and is incorporated by reference in this Item 7.01.

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The information provided in Item 7.01 of this report, including Exhibit 99.2, shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.2 be deemed incorporated by reference in any filings under the Securities Act of 1933, as amended.

Item 9.01.Financial Statements and Exhibits

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(d) Exhibits.

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Exhibit No.		Description
99.1		Press Release dated January 20, 2026
99.2		Presentation Materials
104		Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

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 METROPOLITAN BANK HOLDING CORP.

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Dated: January 20, 2026By:/s/ Daniel F. Dougherty

Daniel F. Dougherty

Executive Vice President and

Chief Financial Officer

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FAQ

What did Metropolitan Bank Holding Corp. (MCB) disclose in this 8-K?

The company disclosed that it issued a press release announcing its financial results for the fourth quarter and full year 2025 and furnished that press release as Exhibit 99.1.

Where can investors find Metropolitan Bank Holding Corp. MCB Q4 and 2025 results?

Investors can find the financial results for the fourth quarter and full year 2025 in the press release attached as Exhibit 99.1 and in the presentation materials attached as Exhibit 99.2 and made available on the company’s website.

Are the Metropolitan Bank Holding Corp. (MCB) exhibits considered filed with the SEC?

The company states that Exhibits 99.1 and 99.2 are furnished and shall not be deemed filed or incorporated by reference into Securities Act filings.

What are the exhibits listed in this Metropolitan Bank Holding Corp. MCB 8-K?

The exhibits are a press release dated January 20, 2026 (Exhibit 99.1), presentation materials (Exhibit 99.2), and the cover page interactive data file formatted as inline XBRL (Exhibit 104).

Which period’s performance is covered by Metropolitan Bank Holding Corp. (MCB) in this disclosure?

The furnished press release and presentation materials cover Metropolitan Bank Holding Corp.’s financial results for the fourth quarter and full year 2025.

Who signed the Metropolitan Bank Holding Corp. (MCB) 8-K report?

The report was signed on behalf of Metropolitan Bank Holding Corp. by Daniel F. Dougherty, Executive Vice President and Chief Financial Officer.