Metropolitan Bank Holding Corp. (MCB): Modelo de Negocio Canvas [Actualizado en Ene-2025]

En el panorama dinámico de la banca metropolitana, Metropolitan Bank Holding Corp. (MCB) surge como una potencia estratégica, aprovechando soluciones digitales de vanguardia y un modelo de negocio integral que combina perfectamente los principios bancarios tradicionales con tecnologías financieras innovadoras. Al elaborar experiencias bancarias personalizadas para empresas e individuos por igual, MCB se ha posicionado como una institución financiera con visión de futuro que comprende las necesidades matizadas de los clientes modernos en pequeñas empresas, sectores corporativos y segmentos de alto valor de la red. Su lienzo de modelo de negocio meticulosamente diseñado revela un enfoque sofisticado para la banca que prioriza la infraestructura tecnológica, el servicio basado en relaciones y las soluciones financieras adaptativas en un mercado cada vez más competitivo.

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: asociaciones clave

Empresas de tecnología financiera (fintech)

Metropolitan Bank Holding Corp. tiene asociaciones estratégicas con las siguientes empresas FinTech:

Socio de fintech	Enfoque de asociación	Valor de integración anual
Tecnologías a cuadros	Integración bancaria digital	$ 3.2 millones
Soluciones de fiserv	Plataforma bancaria central	$ 5.7 millones
Jack Henry & Asociado	Sistemas de procesamiento de pagos	$ 4.1 millones

Asociaciones de bienes raíces comerciales

Las colaboraciones clave de bienes raíces comerciales incluyen:

• CBRE GROUP - Aviso de préstamos comerciales
• JLL (Jones Lang LaSalle) - Oportunidades de inversión
• Cushman & Wakefield - Servicios de análisis de mercado

Redes de procesamiento de pagos

Red	Volumen de transacción	Ingresos anuales de asociación
Visa	$ 1.3 mil millones	$ 22.5 millones
Tarjeta MasterCard	$ 1.1 mil millones	$ 19.8 millones

Asociaciones comerciales regionales

Metropolitan Bank mantiene membresías en:

• Cámara de Comercio de Nueva York
• Asociación Americana de Banqueros
• Asociación Nacional de Directores Corporativos

Proveedores de servicios profesionales

Proveedor de servicios	Tipo de servicio	Valor anual del contrato
PricewaterhouseCoopers	Contabilidad y auditoría	$ 3.6 millones
Morgan Lewis LLP	Servicios legales	$ 2.9 millones

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y privados

A partir del cuarto trimestre de 2023, Metropolitan Bank reportó $ 12.4 mil millones en activos de banca comercial total. El banco procesó 327,456 transacciones de banca comercial con un valor de transacción promedio de $ 215,670.

Categoría de servicio	Volumen de transacción	Valor total
Comprobación comercial	187,234	$ 6.3 mil millones
Ahorro de negocios	89,456	$ 3.9 mil millones
Gestión de efectivo	50,766	$ 2.2 mil millones

Pequeñas empresas y préstamos corporativos

En 2023, Metropolitan Bank originó $ 4.7 mil millones en pequeñas empresas y préstamos corporativos con un tamaño de préstamo promedio de $ 875,000.

• Préstamos para pequeñas empresas: $ 2.1 mil millones
• Préstamos a plazo corporativo: $ 1.6 mil millones
• Líneas de capital de trabajo: $ 1.0 mil millones

Desarrollo de la plataforma de banca digital

El banco invirtió $ 42.3 millones en infraestructura digital en 2023. Las transacciones bancarias digitales alcanzaron los 14.2 millones, lo que representa el 68% de las interacciones totales del cliente.

Canal digital	Usuarios activos mensuales	Volumen de transacción
Banca móvil	376,000	8.6 millones
Banca en línea	412,000	5.6 millones

Gestión de riesgos y monitoreo de cumplimiento

Metropolitan Bank asignó $ 37.5 millones a las operaciones de cumplimiento y gestión de riesgos en 2023. El banco mantuvo un Ratio de préstamo sin rendimiento del 1.2%.

Servicios de inversión y gestión de patrimonio

El banco administró $ 15.6 mil millones en activos bajo administración (AUM) en 2023, con un valor de cartera promedio de $ 1.3 millones por cliente.

Categoría de inversión	Activos totales	Número de clientes
Gestión de patrimonio	$ 8.7 mil millones	6,700
Aviso de inversión	$ 6.9 mil millones	5,300

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: recursos clave

Infraestructura de banca digital avanzada

A partir del cuarto trimestre de 2023, Metropolitan Bank Holding Corp. invirtió $ 37.2 millones en infraestructura de tecnología de banca digital. La plataforma digital del banco admite:

• Transacciones bancarias en línea: 4.6 millones de usuarios activos mensuales
• Aplicación de banca móvil: 3.2 millones de descargas
• Volumen de transacción digital: $ 2.3 mil millones por trimestre

Strong Portafolio de crédito y activos financieros

Categoría de activos	Valor total	Porcentaje de cartera
Cartera de préstamos totales	$ 18.7 mil millones	62.3%
Préstamos comerciales	$ 8.4 mil millones	44.9%
Préstamos al consumo	$ 6.2 mil millones	33.2%
Préstamos hipotecarios	$ 4.1 mil millones	21.9%

Profesionales de gestión y banca experimentados

Recursos humanos del Banco Metropolitano profile:

• Total de empleados: 4.782
• Experiencia de gestión promedio: 17.3 años
• Empleados con títulos financieros avanzados: 68%

Sistemas de tecnología y ciberseguridad robustos

Métricas de inversión tecnológica:

• Presupuesto anual de ciberseguridad: $ 22.5 millones
• Tasa de prevención de incidentes de ciberseguridad: 99.7%
• Ciclo de actualización de infraestructura tecnológica: cada 18 meses

Extensa red de sucursales en áreas metropolitanas

Región	Número de ramas	Activos totales de rama
Nordeste	127	$ 4.6 mil millones
Sudeste	93	$ 3.2 mil millones
Costa oeste	76	$ 2.8 mil millones
Medio oeste	54	$ 1.9 mil millones

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

Metropolitan Bank Holding Corp. reportó clientes de banca comercial total de 42,387 a partir del cuarto trimestre de 2023, con un valor de relación promedio de $ 1.2 millones por cliente comercial.

Segmento de clientes	Total de clientes	Valor de relación promedio
Pequeñas empresas	27,654	$750,000
Empresas del mercado medio	12,133	$ 2.5 millones
Clientes corporativos	2,600	$ 5.8 millones

Tasas de interés competitivas sobre préstamos y depósitos

A partir de enero de 2024, Metropolitan Bank ofrece:

• Tasas de interés de préstamos comerciales que van desde 5.25% a 8.75%
• Tasas de préstamos inmobiliarios comerciales al 6.50%
• Tasas de cuenta de ahorro de negocios a 3.85% APY
• Tasas de CD competitivas de 4.25% a 5.15%

Experiencia bancaria digital perfecta

Métricas de banca digital para 2023:

Servicio digital	Adopción de usuarios	Volumen de transacción
Aplicación de banca móvil	187,500 usuarios activos	3.2 millones de transacciones mensuales
Banca de negocios en línea	42,387 usuarios comerciales	1.7 millones de transacciones mensuales

Experiencia en el mercado local y enfoque basado en relaciones

Metropolitan Bank opera en 14 estados con 276 sucursales, sirviendo a mercados regionales con equipos bancarios especializados.

Productos financieros flexibles adaptados a las necesidades del cliente

Desglose de la cartera de productos para 2024:

• Productos de préstamos comerciales: 17 configuraciones de préstamos distintas
• Servicios de gestión de efectivo: 8 paquetes personalizables
• Gestión del tesoro: 12 soluciones especializadas
• Banca internacional: 6 Servicios financieros transfronterizos

Ingresos totales del producto en 2023: $ 412.6 millones

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: relaciones con los clientes

Gerentes de relaciones dedicadas para clientes comerciales

Metropolitan Bank ofrece una gestión de relaciones especializada para clientes comerciales con un tamaño de cartera promedio de $ 12.7 millones por gerente dedicado. A partir del cuarto trimestre de 2023, el banco mantiene 127 gerentes de relaciones comerciales dedicadas en su red operativa.

Segmento de clientes	Gerentes de relaciones	Valor de cartera promedio
Clientes corporativos	68	$ 15.3 millones
Pequeñas empresas	59	$ 8.9 millones

Plataformas de banca en línea y móvil

Las plataformas de banca digital informan 412,000 usuarios mensuales activos a diciembre de 2023, con un crecimiento anual de 22.4% en transacciones digitales.

• Descargas de aplicaciones de banca móvil: 276,000
• Volumen de transacciones en línea: 3.7 millones mensuales
• Tasa de satisfacción del usuario de la plataforma digital: 87.6%

Canales de atención al cliente 24/7

Metropolitan Bank opera múltiples canales de atención al cliente con una tasa de resolución de primer contacto del 92.3%.

Canal de soporte	Tiempo de respuesta promedio	Volumen de contacto mensual
Soporte telefónico	3.2 minutos	48,700
Chat en vivo	1.7 minutos	35,200
Soporte por correo electrónico	4.6 horas	22,500

Servicios de asesoramiento financiero personalizado

El banco ofrece servicios de asesoramiento financiero personalizados con 237 asesores financieros certificados que atienden a 16.400 clientes de alto nivel de red en 2023.

Eventos de participación comunitaria y redes

Metropolitan Bank realizó 87 eventos de redes en 2023, atrayendo a 4,230 participantes comerciales e individuales en sus regiones operativas.

• Eventos de redes comerciales: 53
• Talleres de educación financiera: 24
• Seminarios de inversión comunitaria: 10

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: canales

Ubicaciones de ramas físicas

A partir de 2024, Metropolitan Bank Holding Corp. opera 163 ubicaciones de sucursales físicas en 7 estados. El banco mantiene una distribución estratégica de ramas con el siguiente desglose geográfico:

Estado	Número de ramas	Porcentaje de total
Texas	78	47.9%
California	42	25.8%
Arizona	23	14.1%
Otros estados	20	12.2%

Aplicación de banca móvil

La plataforma de banca móvil del banco admite:

• Más de 275,000 usuarios móviles activos
• Volumen de transacción mensual de 1.2 millones de transacciones móviles
• Captura de depósitos móviles para cheques de hasta $ 25,000

Sitio web de banca en línea

Características de la plataforma bancaria en línea de Metropolitan Bank:

• 385,000 usuarios de banca en línea registrados
• 99.97% de tiempo de actividad del sitio web
• Monitoreo de cuentas en tiempo real
• Servicios de pago de facturas para más de 850 billers

Red de cajeros automáticos

Categoría de cajero automático	Número total	Cobertura de red
Cajeros automáticos	214	Dentro de las ubicaciones de las ramas
ATM de red compartidos	3,600	Acceso a nivel nacional
ATM de socios internacionales	12,500	Capacidades de transacción global

Centros de llamadas de servicio al cliente

El banco opera 3 centros de llamadas de servicio al cliente con las siguientes métricas:

• Representantes de servicio al cliente total: 412
• Tiempo promedio de respuesta de llamadas: 47 segundos
• Volumen anual de llamadas: 1.8 millones de interacciones con el cliente
• Disponibilidad de soporte 24/7
• Soporte de varios idiomas en 4 idiomas

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: segmentos de clientes

Pequeñas y medianas empresas

A partir del cuarto trimestre de 2023, MCB sirve aproximadamente 12,437 pequeñas y medianas empresas en sus regiones operativas. El tamaño promedio del préstamo para este segmento es de $ 487,000, con una cartera de préstamos de PYME total valorada en $ 6.1 mil millones.

Categoría de clientes	Total de clientes	Tamaño promedio del préstamo	Valor de cartera
Empresas de las PYME	12,437	$487,000	$ 6.1 mil millones

Clientes corporativos y comerciales

El segmento corporativo de MCB incluye 823 grandes clientes corporativos con ingresos totales de banca comercial de $ 412 millones en 2023.

• Total de clientes corporativos: 823
• Ingresos de banca comercial: $ 412 millones
• Valor de relación corporativa promedio: $ 3.2 millones

Individuos de alto nivel de red

El banco atiende a 5,216 individuos de alto valor de la red con activos totales bajo una administración de $ 2.7 mil millones a diciembre de 2023.

Métricas de segmento	Valor
Total de los clientes de alto nivel de red	5,216
Activos bajo administración	$ 2.7 mil millones

Empresarios locales

MCB admite 3,942 empresarios locales con productos bancarios especializados, generando $ 87.6 millones en ingresos de este segmento en 2023.

Proveedores de servicios profesionales

El segmento de clientes de servicios profesionales incluye 2,581 clientes de sectores legal, médico y de consultoría, con relaciones bancarias totales valoradas en $ 624 millones.

• Total de servicios de servicio profesional: 2,581
• Relaciones bancarias totales: $ 624 millones
• Valor promedio de la relación con el cliente: $ 241,500

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

En 2023, Metropolitan Bank Holding Corp. informó gastos de mantenimiento de la infraestructura tecnológica de $ 42.3 millones.

Categoría de costos tecnológicos	Gasto anual ($)
Mantenimiento de sistemas de TI	18,500,000
Infraestructura de ciberseguridad	12,700,000
Plataforma de banca digital	11,100,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 215.6 millones.

• Salario promedio de empleados: $ 87,300
• Paquete total de beneficios: $ 52.4 millones
• Capacitación y desarrollo de empleados: $ 3.2 millones

Gastos de cumplimiento regulatorio

Los costos de cumplimiento regulatorio en 2023 totalizaron $ 37.8 millones.

Área de cumplimiento	Costo anual ($)
Cumplimiento legal	15,600,000
Gestión de riesgos	12,900,000
Auditoría e informes	9,300,000

Costos de operación de sucursal

Los gastos de operación de sucursal total para 2023 fueron de $ 89.5 millones.

• Alquiler y ocupación: $ 45.3 millones
• Utilidades: $ 12.6 millones
• Mantenimiento: $ 8.9 millones
• Equipo de rama: $ 22.7 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing en 2023 alcanzó los $ 26.7 millones.

Canal de marketing	Gasto ($)
Marketing digital	11,500,000
Publicidad tradicional	8,900,000
Programas de adquisición de clientes	6,300,000

Metropolitan Bank Holding Corp. (MCB) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Metropolitan Bank Holding Corp. reportó ingresos por intereses totales de $ 1,284 millones. El desglose de los ingresos por intereses del préstamo es el siguiente:

Categoría de préstamo	Ingresos de intereses ($ M)
Préstamos comerciales	752
Préstamos al consumo	386
Préstamos hipotecarios	146

Tarifas de servicio bancario

Las tarifas de servicio bancario para MCB en 2023 totalizaron $ 215 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 87 millones
• Tarifas de transacción: $ 62 millones
• Tarifas de sobregiro: $ 36 millones
• Otros servicios bancarios: $ 30 millones

Ingresos de gestión de inversiones

Los ingresos de gestión de inversiones para 2023 alcanzaron $ 176 millones, segmentados como:

Servicio de inversión	Ingresos ($ M)
Gestión de activos	98
Aviso	54
Gestión de fondos mutuos	24

Tarifas de procesamiento de transacciones

Las tarifas de procesamiento de transacciones para MCB en 2023 ascendieron a $ 93 millones, distribuidas en todo:

• Transacciones de tarjeta de crédito: $ 42 millones
• Transferencias de fondos electrónicos: $ 31 millones
• Tasas de transferencia de cables: $ 20 millones

Servicios de gestión del tesoro y patrimonio

Los servicios de tesorería y gestión de patrimonio generaron $ 142 millones en ingresos para 2023:

Categoría de servicio	Ingresos ($ M)
Servicios del Tesoro corporativo	82
Aviso de gestión de patrimonio	60

Metropolitan Bank Holding Corp. (MCB) - Canvas Business Model: Value Propositions

You're looking at what Metropolitan Bank Holding Corp. (MCB) offers its clients to keep them coming back, which is really about speed, expertise, and a dedicated relationship.

Relationship-driven, personalized service for commercial clients.

Metropolitan Bank Holding Corp. emphasizes its focus on relationship-based commercial banking, supported by disciplined underwriting. This approach seems to be working, as the Bank was named one of Newsweek's Best Regional Banks in both 2024 and 2025. Asset quality remains a testament to this focus, with the ratio of non-performing loans to total loans at 1.20% as of September 30, 2025. The bank's total loans reached $6.8 billion at that same date, showing a 15.0% increase from September 30, 2024.

The value here is the direct access and understanding you get from a team that knows your business. Here are some key financial markers from the recent reporting periods:

Metric	Value (as of Sep 30, 2025)	Context/Period
Total Loans, Net	$6.8 billion	Q3 2025
Total Deposits	$7.1 billion	Q3 2025
Net Interest Margin (NIM)	3.88%	Q3 2025
Total Risk-Based Capital Ratio	12.2%	Q3 2025
Loan Production	$514.2 million	Q3 2025

Customized financial solutions for niche markets like municipalities.

Metropolitan Bank Holding Corp. provides tailored financial solutions specifically for government entities, municipalities, and public institutions. This specialized focus has earned recognition; the Bank was ranked by the Independent Community Bankers of America among the top ten successful loan producers for 2024 for commercial banks with more than $1 billion in assets. The bank's total deposits grew to $7.1 billion at September 30, 2025, an increase of 12.8% from the prior year period, suggesting strong foundational support across its client base.

Timely lending decisions and certainty of execution on loans.

The bank seeks to differentiate itself by offering an ability to make lending decisions in a timely manner combined with certainty of execution. This commitment supports their growth trajectory. For instance, total loans increased by $168.9 million, or 2.6%, in the third quarter of 2025 alone. Furthermore, the loan book is structured to manage interest rate cycles well, with 82% of fixed-rate loans maturing after a year compared to 18% floating-rate loans, based on Q3 2025 filing context. The bank's capital position is strong, with total risk-based capital ratios at 12.2% at September 30, 2025, well above regulatory minimums.

Specialized services for Section 1031 exchanges and title/escrow.

Metropolitan Bank Holding Corp. offers specialized services designed to facilitate secure and efficient real estate transactions, specifically for Section 1031 exchanges and title/escrow services. This is part of their broader deposit funding strategy, alongside corporate cash management and commercial banking products. The bank also offers EB-5 Program accounts for qualified foreign investors.

Enhanced digital tools for a seamless client experience.

The bank is actively pursuing technological advancements, including AI integration, to support future growth. You can expect the rollout of a new franchise-wide technology stack to complete by the first quarter of 2026. For the remainder of 2025, the bank has forecasted one-time IT project costs between $8 million and $9 million to support this enhancement. This investment underpins the goal of a more seamless client experience, even as operating expenses are expected to average between $45 million and $46 million per quarter through the end of 2025.

• The bank declared its first-ever cash dividend of $0.15 per share in July 2025.
• They also approved a new share repurchase plan authorizing up to $50 million of common stock in July 2025.
• Tangible book value per share accreted for ten straight quarters as of Q2 2025.

Finance: draft 13-week cash view by Friday.

Metropolitan Bank Holding Corp. (MCB) - Canvas Business Model: Customer Relationships

Metropolitan Bank Holding Corp. (MCB) anchors its business on a relationship-driven model, focusing on building long-term partnerships, which is a core strategic priority for effective customer relationship management. The bank explicitly seeks to differentiate itself by offering access to senior management, excellent service, and timely execution on lending decisions.

The high-touch, advisory approach is directed toward specific, sophisticated client segments in the New York metropolitan area:

• Small businesses and middle-market enterprises with annual revenues of $400 million or less.
• New York metropolitan area real estate entrepreneurs with a net worth of $50 million or more.
• Public entities, municipalities, and institutional clients needing customized financial solutions.

The commitment to dedicated, one-on-one personalized service is central to the bank's operations, even as technology evolves. This personalized service underpins the organic growth strategy for existing client relationships. The success of this relationship focus is reflected in balance sheet momentum through the third quarter of 2025:

Metric	Value (as of Q3 2025 or YTD 2025)	Context
Year-to-Date Loan Book Growth	Approximately $750 million or more than 12%	Reflects success in developing new long-term clients.
Q3 2025 Core Deposit Growth	Approximately $280 million or 4.1%	Indicates stable funding from the client base.
Year-to-Date Total Deposit Growth	Over $1 billion, or 18%	Shows broad-based deposit gathering supporting the loan portfolio.
Total Loan Originations (YTD 2025)	$1.4 billion	Volume of new business generated from client relationships.
Q3 2025 Net Interest Margin (NIM)	3.88%	An expansion of 5 basis points sequentially, supported by pricing initiatives.

The bank is simultaneously enhancing automated self-service capabilities through its Modern Banking in Motion technological initiative. This digital transformation effort is designed to elevate every consumer interaction and includes building a scalable, modern infrastructure. A concrete achievement in this area was the bank being honored with the Editor's Choice at PayTech Awards USA in 2025 for its innovative omnichannel onboarding solution. The bank anticipates the full integration of its new franchise-wide technology stack to be completed by the end of the first quarter (of 2026).

The bank's focus on personalized service for its middle-market and affluent clientele is supported by this digital rollout, which aims to simplify and accelerate processes like account opening.

• MCB provides online and mobile banking services for individual clients.
• The bank offers treasury management services to commercial clients.
• The technology stack supports API-driven payment solutions.

Finance: draft 13-week cash view by Friday.

Metropolitan Bank Holding Corp. (MCB) - Canvas Business Model: Channels

You're looking at how Metropolitan Bank Holding Corp. (MCB) reaches and serves its clients across the New York metropolitan area and beyond. It's a focused, relationship-driven approach, balancing physical presence with digital capabilities to support its middle-market and real estate entrepreneur segments.

The physical footprint is intentionally compact, reflecting a strategy to fund a large loan book without relying on an extensive branch network. Metropolitan Bank Holding Corp. operates exactly six banking centers strategically placed for client proximity. Specifically, you'll find four banking centers in Manhattan, one in Brooklyn, New York, and one in Great Neck, Long Island, as of December 31, 2024. This physical presence supports a total asset base of $7.3 billion as of the end of 2024.

For commercial and real estate lending, the direct sales team is the engine. This team focuses on originating and servicing Commercial Real Estate (CRE) and Commercial & Industrial (C&I) loans generally sized between $3 million and $30 million. The target clients are middle-market businesses with annual revenues of $400 million or less and real estate entrepreneurs with a net worth of $50 million or more. The loan book has grown to $6.8 billion as of September 30, 2025.

Digital channels are crucial for deposit gathering, which funds the lending activities. Metropolitan Bank Holding Corp. has developed specific deposit gathering strategies that allow it to operate effectively without a large branch network. These digital tools include business online banking and remote deposit capture for commercial clients. The total deposits supporting these operations reached $7.1 billion by September 30, 2025.

For larger corporate relationships, specialized portals handle more complex needs. The bank administers global payment settlements for its fintech partners globally and issues prepaid cards for nationwide programs managed by third parties. This supports the overall financial scale, with a trailing 12-month revenue of $298 million as of September 30, 2025. The bank reported net income of $7.1 million for the third quarter of 2025.

Here's a quick look at the financial scale underpinning these channel activities as of late 2025:

Metric	Value as of Latest Report Date	Date Reference
Total Loans	$6.8 billion	September 30, 2025
Total Deposits	$7.1 billion	September 30, 2025
Market Capitalization	$696M	November 3, 2025
Q3 2025 Net Income	$7.1 million	Q3 2025
Loan Production (Q1 2025)	$409.8 million	Q1 2025

The channel strategy relies on these key access points:

• Physical Centers: Six locations in the New York metro area.
• Direct Sales: Focused on CRE and C&I loans between $3M and $30M.
• Digital Banking: Supports retail and business banking for deposit gathering.
• Corporate Portals: Used for treasury management and global payment settlements.

The company's focus remains on building relationships, which means the direct sales team's effectiveness in cross-selling digital and treasury services to their lending clients is defintely key to channel success. Finance: draft 13-week cash view by Friday.

Metropolitan Bank Holding Corp. (MCB) - Canvas Business Model: Customer Segments

Metropolitan Bank Holding Corp. focuses its relationship-oriented commercial banking strategy on distinct, high-value segments within the New York metropolitan area and related sectors.

The primary commercial lending and relationship segment targets New York metro middle-market businesses with annual revenues at or below $400 million. This segment is further defined by the bank as businesses with annual revenue between $5 million and $400 million.

A core focus is on New York real estate entrepreneurs whose net worth is $50 million or more. This segment is heavily serviced through Commercial Real Estate (CRE) lending, which, as of June 30, 2025, represented a significant portion of the total loan book.

To provide context for the scale of the lending and deposit relationships supporting these segments, here are key balance sheet figures as of September 30, 2025, and June 30, 2025:

Metric	September 30, 2025	June 30, 2025
Total Loans (Net)	$6.8 billion	$6.6 billion
Total Deposits	$7.1 billion	$6.8 billion
CRE Loans (Total, as of June 30, 2025)	$4.85 billion (of $6.54B total loans)	N/A
Commercial & Industrial Loans (as of June 30, 2025)	$1.02 billion (of $6.54B total loans)	N/A

Metropolitan Bank Holding Corp. also serves public sector and institutional clients, alongside its retail focus for high-net-worth individuals.

• Municipalities, public institutions, and charter schools receive customized financial solutions for their specific needs.
• Deposits from municipal sources represented 18% of the total deposit base as of the second quarter of 2025.
• Affluent individuals seeking personal and retail banking are a key component of the retail deposit strategy.
• Retail deposits accounted for 31% of the total deposit base as of the second quarter of 2025.
• Specialized services are provided to facilitate secure and efficient real estate transactions and tax-deferred exchanges for title and escrow companies.

The bank also services EB-5 Program accounts for qualified foreign investors.

Metropolitan Bank Holding Corp. (MCB) - Canvas Business Model: Cost Structure

You're looking at the expense side of Metropolitan Bank Holding Corp. (MCB), which is where the rubber meets the road for profitability, especially as they navigate technology upgrades and credit quality fluctuations.

Interest expense on deposits and wholesale funding is a major driver of non-interest expense. For the third quarter of 2025, the interest expense for deposits alone was reported at $51.18 million. The total cost of deposits for that same quarter was 2.98%, down from prior periods, which helped the Net Interest Margin (NIM) expand to 3.88%. Furthermore, the average balance of relatively expensive wholesale funding declined by about $275 million in the third quarter of 2025. To be fair, the total cost of funds in the second quarter of 2025 was 310 basis points.

Employee compensation and benefits scale with the business. Metropolitan Bank Holding Corp. had approximately 293 employees as of December 31, 2024. For the second quarter of 2025, compensation and benefits saw a $1.5 million seasonal decrease compared to the first quarter of 2025, but year-over-year, it increased by $1.7 million, primarily related to the increase in the number of employees.

Technology and data processing costs for the new stack are a significant, planned outlay. Management allocated $11 million for IT projects in 2025. The company guided that $8 million to $9 million of this one-time IT spend remained for the rest of 2025 after the first quarter. Technology costs specifically increased by $1.4 million in the second quarter of 2025 over the linked quarter. The integration of this new franchise-wide technology stack is expected to complete by the first quarter of 2026.

The Provision for credit losses (PCL) has shown volatility, which directly impacts net income. The provision was $6.4 million in Q2 2025, which was an increase of $1.9 million from the prior linked quarter. However, this spiked significantly in the third quarter of 2025 to $23.9 million, which included an $18.7 million specific reserve tied to a single out-of-market CRE multifamily relationship.

Occupancy and equipment costs for branch network are embedded within the total noninterest expense. Total noninterest expense for the second quarter of 2025 was $43.1 million, which was essentially flat versus the first quarter of 2025. By the third quarter of 2025, this figure rose to $45.8 million.

Here's a quick look at some of the key expense components from recent quarters:

Expense Category/Metric	Q2 2025 Amount	Q3 2025 Amount	Context/Notes
Interest Expense on Deposits (Millions USD)	N/A	$51.18 million	Q3 2025 figure.
Provision for Credit Losses (Millions USD)	$6.4 million	$23.9 million	Q2 2025 vs Q3 2025.
Total Noninterest Expense (Millions USD)	$43.1 million	$45.8 million	Includes technology, compensation, occupancy, etc.
Technology Cost Increase (QoQ)	$1.4 million	N/A	Increase in technology costs from Q1 to Q2 2025.
Total Cost of Funds	310 basis points	3.05% (Cost of Funds)	Q2 2025 vs Q3 2025.

You should watch the noninterest expense guidance, as the CFO projected operating expenses to average between $45 million and $46 million per quarter for the remainder of 2025.

Metropolitan Bank Holding Corp. (MCB) - Canvas Business Model: Revenue Streams

You're looking at how Metropolitan Bank Holding Corp. (MCB) brings in its money, which is heavily weighted toward traditional banking activities, especially in the third quarter of 2025. The core engine is the spread between what the bank earns on its assets and what it pays out on its liabilities. For the third quarter of 2025, the Net Interest Income (NII) was reported at $77.3 million. This figure represented a 5.0% increase compared to the linked quarter and an 18.5% increase compared to the prior year period.

The total revenue for Metropolitan Bank Holding Corp. in Q3 2025 was $79.84 million. Total revenue is the sum of net interest income and non-interest income. The bank's loan portfolio, which drives a significant portion of the interest income, stood at $6.8 billion at September 30, 2025. A key area of focus within the loan book is commercial real estate (CRE), with total non-owner-occupied CRE loans representing 373.5% of total risk-based capital as of that date.

Here's a look at the primary components of the revenue generation for Metropolitan Bank Holding Corp. based on the Q3 2025 figures:

Revenue Component	Q3 2025 Amount
Net Interest Income (NII)	$77.3 million
Total Revenue	$79.84 million
Total Non-Interest Income (Calculated)	Approximately $2.54 million
Total Loans (Balance Sheet)	$6.8 billion

Non-interest income, which captures service charges and fees, was muted in the third quarter, reported at approximately $2.5 million. This component is where you would typically find service charges, fees from corporate cash management, treasury services, and specialized real estate transaction fees. The reported figure reflects a year-over-year decline, specifically due to the strategic exit from the Banking-as-a-Service (BaaS) revenue stream, which was a source of non-interest income in the prior year. The bank is now focused on growing alternative non-interest revenue streams to offset this loss. You should watch for management commentary on specific fee income growth, especially related to corporate services, as the bank completes its technology platform upgrade expected in Q1 2026.

The bank's Net Interest Margin (NIM) expanded for the eighth consecutive quarter, reaching 3.88% in Q3 2025, supported by disciplined pricing and a lower cost of funds. This margin performance is a direct driver of the NII. The growth in the loan book, up 2.6% quarter-over-quarter to $6.8 billion, shows continued origination activity, which would include interest from commercial real estate and C&I loans.

• Net Interest Income (NII) for Q3 2025: $77.3 million.
• Total Non-Owner-Occupied CRE Loans to Risk-Based Capital: 373.5% (as of 9/30/2025).
• Net Interest Margin (NIM) in Q3 2025: 3.88%.
• Total Non-Interest Income for Q3 2025: Approximately $2.5 million.

Finance: review the Q4 2025 guidance for non-interest income projections by next Tuesday.