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Metropolitan Bank Holding Corp. MCB Capital Conservation Buffer

Capital Conservation Buffer at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.110.0%
Valley National Bank logo
Valley National BankVLY
$0.110.0%
Heritage Financial logo
Heritage FinancialHFWA
$0.080.0%

Other financials

Income statement

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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:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

The official record: Metropolitan Bank Holding Corp.’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Metropolitan Bank Holding Corp.'s capital conservation buffer?
Metropolitan Bank Holding Corp. (MCB) reported capital conservation buffer of 8% in Q4 2025.
How has Metropolitan Bank Holding Corp.'s capital conservation buffer changed year-over-year?
Metropolitan Bank Holding Corp.'s capital conservation buffer decreased by 0.0% year-over-year, from 8% to 8%.
What is the long-term trend for Metropolitan Bank Holding Corp.'s capital conservation buffer?
Over 5 years (2020 to 2025), Metropolitan Bank Holding Corp.'s capital conservation buffer has grown at a -60.2% compound annual growth rate (CAGR), from 800% to 8%.
What does capital conservation buffer mean?
The capital conservation buffer is an additional layer of high-quality capital that banks are required to hold above their minimum regulatory requirements. This buffer is designed to be drawn down during periods of economic stress to absorb losses, thereby allowing the bank to continue lending. Maintaining this buffer is a key regulatory mandate to ensure long-term institutional stability.