Metropolitan Bank Holding Corp. (MCB): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque métropolitaine, Metropolitan Bank Holding Corp. (MCB) apparaît comme une puissance stratégique, tirant parti des solutions numériques de pointe et un modèle commercial complet qui mélange de manière transparente les principes bancaires traditionnels avec des technologies financières innovantes. En créant des expériences bancaires personnalisées pour les entreprises et les particuliers, MCB s'est positionné comme une institution financière avant-gardiste qui comprend les besoins nuancés des clients modernes dans les petites entreprises, les secteurs d'entreprise et les segments à haute nette. Leur toile de modèle commercial méticuleusement conçu révèle une approche sophistiquée de la banque qui priorise les infrastructures technologiques, le service axé sur les relations et les solutions financières adaptatives sur un marché de plus en plus concurrentiel.

Metropolitan Bank Holding Corp. (MCB) - Modèle commercial: partenariats clés

Entreprises de technologie financière (fintech)

Metropolitan Bank Holding Corp. a des partenariats stratégiques avec les sociétés fintech suivantes:

Partenaire fintech	Focus de partenariat	Valeur d'intégration annuelle
Technologies à plaid	Intégration bancaire numérique	3,2 millions de dollars
Solutions Fiserv	Plateforme bancaire de base	5,7 millions de dollars
Jack Henry & Associés	Systèmes de traitement des paiements	4,1 millions de dollars

Partenariats immobiliers commerciaux

Les principales collaborations immobilières commerciales comprennent:

• CBRE Group - Advisory de prêt commercial
• JLL (Jones Lang Lasalle) - Opportunités d'investissement
• Cushman & Wakefield - Services d'analyse du marché

Réseaux de traitement des paiements

Réseau	Volume de transaction	Revenus de partenariat annuel
Visa	1,3 milliard de dollars	22,5 millions de dollars
MasterCard	1,1 milliard de dollars	19,8 millions de dollars

Associations commerciales régionales

Metropolitan Bank maintient les adhésions à:

• Chambre de commerce de New York
• American Bankers Association
• Association nationale des directeurs d'entreprise

Fournisseurs de services professionnels

Fournisseur de services	Type de service	Valeur du contrat annuel
PricewaterhouseCoopers	Comptabilité et audit	3,6 millions de dollars
Morgan Lewis LLP	Services juridiques	2,9 millions de dollars

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et privés

Au quatrième trimestre 2023, Metropolitan Bank a déclaré 12,4 milliards de dollars d'actifs bancaires commerciaux totaux. La Banque a traité 327 456 transactions bancaires commerciales avec une valeur de transaction moyenne de 215 670 $.

Catégorie de service	Volume de transaction	Valeur totale
Vérification commerciale	187,234	6,3 milliards de dollars
Économies commerciales	89,456	3,9 milliards de dollars
Gestion des espèces	50,766	2,2 milliards de dollars

Prêts aux petites entreprises et aux entreprises

En 2023, Metropolitan Bank a créé 4,7 milliards de dollars de prêts aux petites entreprises et aux entreprises avec une taille de prêt moyenne de 875 000 $.

• Prêts aux petites entreprises: 2,1 milliards de dollars
• Prêts à terme d'entreprise: 1,6 milliard de dollars
• Lignes de fonds de roulement: 1,0 milliard de dollars

Développement de la plate-forme bancaire numérique

La banque a investi 42,3 millions de dollars dans les infrastructures numériques en 2023. Les transactions bancaires numériques ont atteint 14,2 millions, ce qui représente 68% des interactions totales du client.

Canal numérique	Utilisateurs actifs mensuels	Volume de transaction
Banque mobile	376,000	8,6 millions
Banque en ligne	412,000	5,6 millions

Gestion des risques et surveillance de la conformité

La banque métropolitaine a alloué 37,5 millions de dollars aux opérations de conformité et de gestion des risques en 2023. La banque a maintenu un Ratio de prêt non performant de 1,2%.

Services d'investissement et de gestion de la patrimoine

La banque a géré 15,6 milliards de dollars d'actifs sous gestion (AUM) en 2023, avec une valeur de portefeuille moyenne de 1,3 million de dollars par client.

Catégorie d'investissement	Actif total	Nombre de clients
Gestion de la richesse	8,7 milliards de dollars	6,700
Avis d'investissement	6,9 milliards de dollars	5,300

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: Ressources clés

Infrastructure bancaire numérique avancée

Au quatrième trimestre 2023, Metropolitan Bank Holding Corp. a investi 37,2 millions de dollars dans l'infrastructure de technologies bancaires numériques. La plate-forme numérique de la banque prend en charge:

• Transactions bancaires en ligne: 4,6 millions d'utilisateurs actifs mensuels
• Application bancaire mobile: 3,2 millions de téléchargements
• Volume de transaction numérique: 2,3 milliards de dollars par trimestre

Portfolio de crédit solide et actifs financiers

Catégorie d'actifs	Valeur totale	Pourcentage de portefeuille
Portefeuille de prêts totaux	18,7 milliards de dollars	62.3%
Prêts commerciaux	8,4 milliards de dollars	44.9%
Prêts à la consommation	6,2 milliards de dollars	33.2%
Prêts hypothécaires	4,1 milliards de dollars	21.9%

Professionnels de la gestion et de la banque expérimentés

Les ressources humaines de la banque métropolitaine profile:

• Total des employés: 4 782
• Expérience de gestion moyenne: 17,3 ans
• Employés titulaires d'un diplôme financier avancé: 68%

Technologies robustes et systèmes de cybersécurité

Métriques d'investissement technologique:

• Budget annuel de cybersécurité: 22,5 millions de dollars
• Taux de prévention des incidents de cybersécurité: 99,7%
• Cycle de rafraîchissement des infrastructures technologiques: tous les 18 mois

Réseau de succursales étendu dans les zones métropolitaines

Région	Nombre de branches	Total des succursales
Nord-est	127	4,6 milliards de dollars
Au sud-est	93	3,2 milliards de dollars
Côte ouest	76	2,8 milliards de dollars
Midwest	54	1,9 milliard de dollars

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Metropolitan Bank Holding Corp. a déclaré que les clients bancaires d'entreprise totaux de 42 387 au T2 2023, avec une valeur de relation moyenne de 1,2 million de dollars par client d'entreprise.

Segment de clientèle	Total des clients	Valeur de relation moyenne
Petites entreprises	27,654	$750,000
Entreprises de marché intermédiaire	12,133	2,5 millions de dollars
Clients des entreprises	2,600	5,8 millions de dollars

Taux d'intérêt concurrentiels sur les prêts et les dépôts

En janvier 2024, la banque métropolitaine propose:

• Des taux d'intérêt des prêts commerciaux allant de 5,25% à 8,75%
• Taux de prêt immobilier commercial à 6,50%
• Taux de compte d'épargne commerciale à 3,85% APY
• Taux de CD compétitifs de 4,25% à 5,15%

Expérience bancaire numérique sans couture

Métriques bancaires numériques pour 2023:

Service numérique	Adoption des utilisateurs	Volume de transaction
Application bancaire mobile	187 500 utilisateurs actifs	3,2 millions de transactions mensuelles
Banque d'entreprise en ligne	42 387 utilisateurs professionnels	1,7 million de transactions mensuelles

Expertise du marché local et approche axée sur les relations

Metropolitan Bank opère dans 14 États avec 276 succursales, desservant des marchés régionaux avec des équipes bancaires spécialisées.

Produits financiers flexibles adaptés aux besoins des clients

Répartition du portefeuille de produits pour 2024:

• Produits de prêt d'entreprise: 17 configurations de prêt distinctes
• Services de gestion de trésorerie: 8 packages personnalisables
• Gestion de la trésorerie: 12 solutions spécialisées
• Banque internationale: 6 services financiers transfrontaliers

Revenu total des produits en 2023: 412,6 millions de dollars

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations dédiés pour les clients commerciaux

Metropolitan Bank fournit une gestion des relations spécialisée aux clients commerciaux avec une taille de portefeuille moyenne de 12,7 millions de dollars par gestionnaire dévoué. Au quatrième trimestre 2023, la banque maintient 127 gestionnaires de relations commerciales dédiés à travers son réseau opérationnel.

Segment client	Gestionnaires de relations	Valeur de portefeuille moyenne
Clients des entreprises	68	15,3 millions de dollars
Clients des petites entreprises	59	8,9 millions de dollars

Plateformes bancaires en ligne et mobiles

Les plates-formes bancaires numériques rapportent 412 000 utilisateurs mensuels actifs en décembre 2023, avec une croissance de 22,4% en glissement annuel des transactions numériques.

• Téléchargements d'applications bancaires mobiles: 276 000
• Volume de transaction en ligne: 3,7 millions par mois
• Taux de satisfaction des utilisateurs de la plate-forme numérique: 87,6%

Canaux de support client 24/7

Metropolitan Bank exploite plusieurs canaux de support client avec un taux de résolution de 92,3% en premier contact.

Canal de support	Temps de réponse moyen	Volume de contact mensuel
Support téléphonique	3,2 minutes	48,700
Chat en direct	1,7 minutes	35,200
Assistance par e-mail	4,6 heures	22,500

Services de conseil financier personnalisés

La banque propose des services de conseil financier personnalisés avec 237 conseillers financiers certifiés desservant 16 400 clients à haute teneur en naissance en 2023.

Engagement communautaire et événements de réseautage

Metropolitan Bank a organisé 87 événements de réseautage en 2023, attirant 4 230 affaires et participants individuels dans ses régions opérationnelles.

• Événements de réseautage d'entreprise: 53
• Ateliers de littératie financière: 24
• Séminaires d'investissement communautaire: 10

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: canaux

Emplacements de branche physiques

En 2024, Metropolitan Bank Holding Corp. exploite 163 succursales physiques dans 7 États. La banque maintient une distribution stratégique des succursales avec la rupture géographique suivante:

État	Nombre de branches	Pourcentage du total
Texas	78	47.9%
Californie	42	25.8%
Arizona	23	14.1%
Autres États	20	12.2%

Application bancaire mobile

La plateforme bancaire mobile de la banque prend en charge:

• Plus de 275 000 utilisateurs mobiles actifs
• Volume de transaction mensuel de 1,2 million de transactions mobiles
• Capture de dépôt mobile pour les chèques jusqu'à 25 000 $

Site Web de banque en ligne

Caractéristiques de la plate-forme bancaire en ligne de Metropolitan Bank:

• 385 000 utilisateurs bancaires en ligne enregistrés
• 99,97% de disponibilité du site Web
• Surveillance du compte en temps réel
• Services de paiement de factures pour plus de 850 factures

Réseau ATM

Catégorie ATM	Nombre total	Couverture réseau
GAM possédés	214	Dans les succursales
ATM du réseau partagé	3,600	Accès à l'échelle nationale
ATM des partenaires internationaux	12,500	Capacités de transaction mondiales

Centres d'appels de service client

La banque exploite 3 centres d'appels de service à la clientèle avec les mesures suivantes:

• Représentants totaux du service à la clientèle: 412
• Temps de réponse d'appel moyen: 47 secondes
• Volume d'appel annuel: 1,8 million d'interactions client
• Disponibilité du support 24/7
• Support multi-langues en 4 langues

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, MCB dessert environ 12 437 petites et moyennes entreprises dans ses régions opérationnelles. La taille moyenne des prêts pour ce segment est de 487 000 $, avec un portefeuille de prêts PME total d'une valeur de 6,1 milliards de dollars.

Catégorie client	Total des clients	Taille moyenne du prêt	Valeur de portefeuille
PME	12,437	$487,000	6,1 milliards de dollars

Clients corporatifs et commerciaux

Le segment d'entreprise de MCB comprend 823 grands clients d'entreprise avec des revenus totaux de banque commerciale de 412 millions de dollars en 2023.

• Total des clients d'entreprise: 823
• Revenus bancaires commerciaux: 412 millions de dollars
• Valeur moyenne des relations d'entreprise: 3,2 millions de dollars

Individus à haute nette

La Banque dessert 5 216 personnes à haute teneur en naissance avec un actif total sous gestion de 2,7 milliards de dollars en décembre 2023.

Métriques du segment	Valeur
Clients totaux à forte valeur	5,216
Actifs sous gestion	2,7 milliards de dollars

Entrepreneurs locaux

MCB soutient 3 942 entrepreneurs locaux avec des produits bancaires spécialisés, générant 87,6 millions de dollars de revenus de ce segment en 2023.

Fournisseurs de services professionnels

Le segment des clients des services professionnels comprend 2 581 clients des secteurs juridiques, médicaux et de conseil, avec des relations bancaires totales d'une valeur de 624 millions de dollars.

• Clients de services professionnels totaux: 2 581
• Relations bancaires totales: 624 millions de dollars
• Valeur moyenne de la relation client: 241 500 $

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

En 2023, Metropolitan Bank Holding Corp. a déclaré des frais de maintenance des infrastructures technologiques de 42,3 millions de dollars.

Catégorie de coûts technologiques	Dépenses annuelles ($)
Maintenance des systèmes informatiques	18,500,000
Infrastructure de cybersécurité	12,700,000
Plate-forme bancaire numérique	11,100,000

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 215,6 millions de dollars.

• Salaire moyen des employés: 87 300 $
• Total des avantages sociaux: 52,4 millions de dollars
• Formation et développement des employés: 3,2 millions de dollars

Frais de conformité réglementaire

Les coûts de conformité réglementaire en 2023 ont totalisé 37,8 millions de dollars.

Zone de conformité	Coût annuel ($)
Conformité légale	15,600,000
Gestion des risques	12,900,000
Audit et rapport	9,300,000

Coûts d'exploitation de la succursale

Les dépenses totales d'exploitation des succursales pour 2023 étaient de 89,5 millions de dollars.

• Loyer et occupation: 45,3 millions de dollars
• Services publics: 12,6 millions de dollars
• Entretien: 8,9 millions de dollars
• Équipement de succursale: 22,7 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing en 2023 ont atteint 26,7 millions de dollars.

Canal de marketing	Dépenses ($)
Marketing numérique	11,500,000
Publicité traditionnelle	8,900,000
Programmes d'acquisition de clients	6,300,000

Metropolitan Bank Holding Corp. (MCB) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, Metropolitan Bank Holding Corp. a déclaré un revenu total d'intérêts de 1 284 millions de dollars. La rupture des revenus des intérêts du prêt est la suivante:

Catégorie de prêt	Revenu des intérêts ($ m)
Prêts commerciaux	752
Prêts à la consommation	386
Prêts hypothécaires	146

Frais de service bancaire

Les frais de service bancaire pour MCB en 2023 ont totalisé 215 millions de dollars, la distribution suivante:

• Frais de maintenance du compte: 87 millions de dollars
• Frais de transaction: 62 millions de dollars
• Frais de découvert: 36 millions de dollars
• Autres services bancaires: 30 millions de dollars

Revenus de gestion des investissements

Les revenus de la gestion des investissements pour 2023 ont atteint 176 millions de dollars, segmentés comme:

Service d'investissement	Revenus ($ m)
Gestion des actifs	98
Avis de portefeuille	54
Gestion des fonds communs de placement	24

Frais de traitement des transactions

Les frais de traitement des transactions pour MCB en 2023 s'élevaient à 93 millions de dollars, distribués à travers:

• Transactions par carte de crédit: 42 millions de dollars
• Transferts de fonds électroniques: 31 millions de dollars
• Frais de transfert de fil: 20 millions de dollars

Services de gestion du Trésor et de la patrimoine

Les services de gestion du Trésor et de patrimoine ont généré 142 millions de dollars de revenus pour 2023:

Catégorie de service	Revenus ($ m)
Services de trésorerie d'entreprise	82
Avis de gestion de la patrimoine	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.