[Form 4] Metropolitan Bank Holding Corp. Insider Trading Activity

Rhea-AI Filing Summary

Robert C. Patent, a director of Metropolitan Bank Holding Corp. (MCB), reported the sale of 5,000 shares of the issuer's common stock on 08/27/2025 at a weighted average price of $79.0194. After the sale, the filing shows 98,685 shares beneficially owned directly (which includes restricted stock units that vest 100% on January 27, 2026), plus 32,882 shares held indirectly via a sibling and 14,445 indirectly via a profit sharing plan. The report includes a power of attorney disclosure regarding the sibling-held shares and notes the sale prices ranged from $78.74 to $79.2237.

Positive

• Clear disclosure of the sale prices range ($78.7400 to $79.2237) and weighted average price ($79.0194).
• Ownership breakdown provided: direct, indirect (sibling), and profit sharing plan, with RSU vesting date disclosed.
• Power of attorney and disclaimer regarding sibling-held shares are explicitly stated, improving transparency.

Negative

• Disposition of 5,000 shares occurred, reducing the reporting person's direct holdings to 98,685 shares.

Insights

Financial Analyst

TL;DR: Director sold a small number of shares; remaining holdings include RSUs vesting in 2026.

The reported disposition of 5,000 shares at a weighted average of $79.0194 is a concrete, executed transaction and reduces the reporting person's direct holdings to 98,685 shares. The filing explicitly states the sale occurred across multiple prices ($78.7400 to $79.2237) and that restricted stock units comprising part of the direct holdings vest fully on January 27, 2026. From an investor perspective, this is a routine insider sale with clear disclosure of quantities, prices, and forthcoming vesting; it does not include other compensatory or derivative transactions.

Corporate Governance Expert

TL;DR: Disclosure is specific and includes a power-of-attorney clarification for indirect holdings.

The Form 4 provides necessary governance detail: the reporter indicates a power of attorney over sibling-held shares and disclaims beneficial ownership of those shares. The filing identifies ownership type (direct and indirect) and quantifies holdings across categories, including profit sharing plan amounts. These elements support transparency required under Section 16 filings and clarify voting/ownership relationships relevant to control and disclosure obligations.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

PATENT ROBERT C

(Last) (First) (Middle)

99 PARK AVENUE

12TH FLOOR

(Street)

NEW YORK NY 10016

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Metropolitan Bank Holding Corp. [ MCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/27/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/27/2025		S		5,000	D	$79.0194(1)	98,685(2)	D
Common Stock								32,882	I	By Sibling(3)
Common Stock								14,445	I	By Profit Sharing Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The $79.0194 price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $78.7400 to $79.2237, inclusive. The Reporting Person undertakes to provide to Metropolitan Bank Holding Corp., any security holder of Metropolitan Bank Holding Corp., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in this Footnote 1.

2. Includes restricted stock units that vest 100% on January 27, 2026.

3. The Reporting Person maintains a power of attorney granted by the Reporting Person's sibling with respect to these shares, including voting power over the shares. The Reporting Person disclaims beneficial ownership of these securities, and this report shall not be deemed an admission that the Reporting Person is the beneficial owner of the securities for purposes of Section 16 or for any other purpose.

	/s/ Frederik Erikson, Attorney-in-Fact	08/28/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Robert C. Patent report on Form 4 for MCB?

He reported a sale of 5,000 shares of MCB common stock on 08/27/2025 at a weighted average price of $79.0194.

How many MCB shares does the reporting person own after the transaction?

The filing shows 98,685 shares beneficially owned directly after the reported sale.

Are there any restricted stock units or vesting details disclosed?

Yes. The filing states that included in the direct holdings are restricted stock units that vest 100% on January 27, 2026.

Does the report disclose any indirect ownership for the reporting person?

Yes. It reports 32,882 shares held indirectly by a sibling (with a power of attorney) and 14,445 shares indirectly via a profit sharing plan.

What price range were the sold shares executed at?

The shares were sold at prices ranging from $78.7400 to $79.2237; the weighted average price reported is $79.0194.