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Metropolitan Bank Holding Corp. MCB Tier 1 Leverage Adequacy Requirement

Tier 1 Leverage Adequacy Requirement at other companies

Valley National Bank logo
Valley National BankVLY
$2.46B+0.7%
NEC
Northeast Community BancorpNECB
$79.93M+2.7%

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+57.0%
P/E13.2×+2.6×
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:TierOneLeverageCapitalRequiredForCapitalAdequacy.

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
At December 31, 2025Actual / AmountActual / RatioFor / Capital / Adequacy / Purposes / AmountFor / Capital / Adequacy / Purposes / RatioTo be Well / Capitalized under / Prompt Corrective / Action Regulations / AmountTo be Well / Capitalized under / Prompt Corrective / Action Regulations / RatioMinimum / Capital / Conservation / Buffer / Ratio
The Company
Tier 1 leverage ratio (Tier 1 capital to average assets)$793,7389.5%$333,9364.0%N/AN/A
Tier 1 common equity (to risk-weighted assets)$773,11810.7%$324,7064.5%N/AN/A2.5%
Tier 1 capital (to risk-weighted assets)$793,73811.0%$432,9416.0%N/AN/A2.5%
Total capital (to risk-weighted assets)$884,04612.3%$577,2558.0%N/AN/A2.5%
The Bank
Tier 1 leverage ratio (Tier 1 capital to average assets)$756,7299.1%$334,0124.0%$417,5145.0%
Tier 1 common equity (to risk-weighted assets)$756,72910.5%$324,6764.5%$468,9766.5%2.5%

Item 16. Form 10-K Summary

FAQ

What is Metropolitan Bank Holding Corp.'s tier 1 leverage adequacy requirement?
Metropolitan Bank Holding Corp. (MCB) reported tier 1 leverage adequacy requirement of $333.94M in Q4 2025.
How has Metropolitan Bank Holding Corp.'s tier 1 leverage adequacy requirement changed year-over-year?
Metropolitan Bank Holding Corp.'s tier 1 leverage adequacy requirement increased by 13.5% year-over-year, from $294.14M to $333.94M.
What is the long-term trend for Metropolitan Bank Holding Corp.'s tier 1 leverage adequacy requirement?
Over 5 years (2020 to 2025), Metropolitan Bank Holding Corp.'s tier 1 leverage adequacy requirement has grown at a 15.0% compound annual growth rate (CAGR), from $165.77M to $333.94M.
What does tier 1 leverage adequacy requirement mean?
This represents the minimum Tier 1 leverage capital ratio mandated by regulatory authorities to ensure the bank maintains sufficient capital relative to its total assets. It serves as a primary safeguard against insolvency and ensures the bank can absorb potential losses. Meeting or exceeding this requirement is a fundamental indicator of the bank's regulatory compliance and financial stability.

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