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Total investments at other companies

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JPMorgan ChaseJPM
76%-2.0pp
OceanFirst Financial logo
OceanFirst FinancialOCFC
$180.71M+69.6%
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Hope BancorpHOPE
$17.25M-7.3%
First Guaranty Bancshares logo
First Guaranty BancsharesFGBI
$10.43M+4.8%

Other financials

Income statement

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Revenue$93.0M+21.9%
Net income$19.2M+2.4%
EPS (diluted)$1.54-12.5%

Balance sheet

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Cash & equivalents$239.3M+56.9%
Total debt$49.3M-5.0%
Total equity$968.2M+33.9%
Total assets$8.9B+12.8%

Cash flow

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Operating cash flow$55.0M+609%
CapEx$2.7M+22.0%
Free cash flow$52.4M+839%

Valuation

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Market cap$1.15B+60.8%
P/E13.3×+2.9×
P/S3.3×+0.8×

Profitability

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Net margin24.8%+1.0pp
FCF margin38.8%-6.3pp

Returns & leverage

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Return on equity10.2%+0.5pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Metropolitan Bank Holding Corp. in its filing.

Tagged under the XBRL concept us-gaap:FederalReserveBankStock.

The source filing: Metropolitan Bank Holding Corp.’s 10-K, filed February 20, 2026.

Filed
Feb 20, 2026, 5:04 PM EST
Fiscal year
FY2025
Accession
0001104659-26-018208

Other investments include FRB and FHLB stock and CRA related investments. The Company is a member of the FRB and the FHLB systems. FHLB members are required to own membership stock and purchase activity-based stock that is based on the level of outstanding borrowings and municipal letters of credit. FRB and FHLB stock are carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income. At December 31, 2025, the Company held FRB and FHLB stock of $11.4 million and $7.2 million, respectively. At December 31, 2024, the Company held FRB and FHLB stock of $11.4 million and $17.2 million, respectively. At December 31, 2025 and 2024 the Company held a $1.5 million investment in The Disability Opportunity Fund, respectively, which is an equity equivalent investment in a community development financial institution. At December 31, 2025 and 2024, the Company also held $498 million of time deposits in community development financial institutions, respectively.

Item 16. Form 10-K Summary

FAQ

What is Metropolitan Bank Holding Corp.'s total investments?
Metropolitan Bank Holding Corp. (MCB) reported total investments of $11.4M in Q4 2025.
How has Metropolitan Bank Holding Corp.'s total investments changed year-over-year?
Metropolitan Bank Holding Corp.'s total investments decreased by 0.0% year-over-year, from $11.4M to $11.4M.
What is the long-term trend for Metropolitan Bank Holding Corp.'s total investments?
Over 5 years (2020 to 2025), Metropolitan Bank Holding Corp.'s total investments has grown at a 9.0% compound annual growth rate (CAGR), from $7.4M to $11.4M.
What does total investments mean?
The aggregate value of all investment assets held by the bank, including debt securities, equity holdings, and other financial instruments. This metric represents the bank's deployment of excess capital into interest-earning or dividend-paying assets. It is a primary indicator of the bank's investment strategy and its ability to generate non-interest income.

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