MCB furnishes Q3 2025 press release and presentation (Exhibits 99.1, 99.2)

Rhea-AI Filing Summary

Metropolitan Bank Holding Corp. (MCB) filed an 8-K announcing it released its third‑quarter 2025 financial results. The company issued a press release and posted presentation materials that discuss the quarter’s performance.

The press release is furnished as Exhibit 99.1, and the presentation materials are furnished as Exhibit 99.2. The company states these materials are furnished, not deemed “filed,” under the securities laws. The filing identifies the bank subsidiary as Metropolitan Commercial Bank and provides the exhibits for investors seeking the detailed results and commentary.

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): October 23, 2025

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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 October 23, 2025, 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 third quarter of 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 third quarter of 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 October 23, 2025
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: October 23, 2025By:/s/ Daniel F. Dougherty

Daniel F. Dougherty

Executive Vice President and

Chief Financial Officer

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FAQ

What did Metropolitan Bank (MCB) announce in this 8-K?

The company announced it released its Q3 2025 financial results via a press release and accompanying presentation materials.

Which exhibits contain MCB’s Q3 2025 materials?

Exhibit 99.1 is the press release dated October 23, 2025, and Exhibit 99.2 contains the presentation materials.

Are the Q3 2025 materials considered filed or furnished?

They are furnished and are not deemed “filed” or incorporated by reference under the Securities Act, as stated in the 8-K.

Which 8-K items apply to this disclosure for MCB?

Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure).

Where can investors access the detailed Q3 2025 results for MCB?

Through the Exhibit 99.1 press release and Exhibit 99.2 presentation, with the presentation also available on the company’s website.

What subsidiary is referenced in the 8-K?

The filing references Metropolitan Commercial Bank, the company’s banking subsidiary.