What does off-balance sheet commitments (contractual) mean?

This metric measures the total contractual amount of legally binding lending commitments that have not yet been funded or recorded on the balance sheet. It provides visibility into potential future liquidity demands and credit exposure. Monitoring these commitments is critical for evaluating the bank's future funding requirements and potential credit risk expansion.

Metropolitan Bank Holding Corp. MCB Off-Balance Sheet Commitments (Contractual)

Off-Balance Sheet Commitments (Contractual) at other companies

OceanFirst FinancialOCFC

$0—

Hope BancorpHOPE

$2.8M+21.7%

Heritage FinancialHFWA

$2.1M-70.4%

JPMorgan ChaseJPM

——

CTB

Community Trust BancorpCTBI

——

Other financials

Income statement

See full

Revenue$88.5M+25.4%

Net income$31.4M+92.2%

EPS (diluted)$2.92+101%

Balance sheet

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Cash & equivalents$672.4M+242%

Total debt$49.3M-5.0%

Total equity$948.3M+28.5%

Total assets$8.8B+16.1%

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$1.21B+74.5%

P/E14×+3.7×

P/S3.6×+1.2×

Profitability

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Net margin25.9%+2.1pp

FCF margin38.8%-6.3pp

Returns & leverage

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Return on equity10.2%+0.7pp

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:LoansAndLeasesReceivableImpairedCommitmentToLend.

The official record: Metropolitan Bank Holding Corp.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Metropolitan Bank Holding Corp.'s off-balance sheet commitments (contractual)?: Metropolitan Bank Holding Corp. (MCB) reported off-balance sheet commitments (contractual) of $0 in Q1 2026.
What does off-balance sheet commitments (contractual) mean?: This metric measures the total contractual amount of legally binding lending commitments that have not yet been funded or recorded on the balance sheet. It provides visibility into potential future liquidity demands and credit exposure. Monitoring these commitments is critical for evaluating the bank's future funding requirements and potential credit risk expansion.