Metropolitan Bank director awarded 2,500 RSUs

Metropolitan Bank Holding Corp. director Dale C. Fredston reported an equity award of 2,500 shares of common stock on January 23, 2026.

Rhea-AI Filing Summary

Metropolitan Bank Holding Corp. director Dale C. Fredston reported an equity award of 2,500 shares of common stock on January 23, 2026. These represent restricted stock units that vest 100% on January 23, 2027 and were granted at a price of $0 per share.

After this award, Fredston beneficially owns 16,668 shares of common stock in total, held directly. This total includes restricted stock units that vest 100% on January 27, 2026, as noted in the filing’s footnotes.

Insider Trade Summary

Grant/Award: 2,500 shares

Grant/Award 1 txn

Insider Fredston Dale C

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,500	$0.00	$0.00

Holdings After Transaction: Common Stock — 16,668 shares (Direct)

Footnotes (2)

1. F1. Restricted stock units that vest 100% on January 23, 2027.
2. F2. Includes restricted stock units that vest 100% on January 27, 2026.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did MCB director Dale C. Fredston report?

Dale C. Fredston reported receiving 2,500 shares of Metropolitan Bank Holding Corp. common stock as an equity award. These are restricted stock units that vest in full on January 23, 2027 and were granted at no cash cost per share.

How many MCB shares does Dale C. Fredston own after this Form 4 transaction?

After the reported award, Dale C. Fredston beneficially owns 16,668 shares of Metropolitan Bank Holding Corp. common stock. This figure includes previously granted restricted stock units that vest 100% on January 27, 2026, as disclosed in the filing’s explanatory footnotes.

What are the vesting terms of Dale C. Fredston’s new MCB restricted stock units?

The new grant to Dale C. Fredston consists of restricted stock units that vest 100% on January 23, 2027. Vesting means the units convert into common shares at that date, assuming applicable service or other conditions disclosed by the company are satisfied.

Did Dale C. Fredston pay cash for the 2,500 MCB shares reported?

No, the reported 2,500-share award has a transaction price of $0 per share. This indicates it is an equity compensation grant of restricted stock units rather than an open-market purchase, consistent with typical director compensation structures.

What earlier MCB restricted stock units are included in Fredston’s total ownership?

Fredston’s 16,668-share beneficial ownership total includes restricted stock units that vest 100% on January 27, 2026. These previously granted units, together with the new award, make up the aggregate common stock and RSU holdings reported as directly owned.

What role does Dale C. Fredston hold at Metropolitan Bank Holding Corp.?

Dale C. Fredston serves as a director of Metropolitan Bank Holding Corp. The reported equity award on January 23, 2026 reflects compensation in the form of restricted stock units associated with service on the company’s board of directors.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/27/2026 - 07:00 PM Learn about SEC filing dates

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^*

Fredston Dale 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)
01/23/2026

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	01/23/2026		A		2,500(1)	A	$0	16,668(2)	D

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. Restricted stock units that vest 100% on January 23, 2027.

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

	/s/ Zachary Levine, Attorney-in-Fact	01/27/2026
	** 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.