Metropolitan Bank Holding Corp. (MCB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do Metropolitan Banking, o Metropolitan Bank Holding Corp. (MCB) surge como uma potência estratégica, alavancando soluções digitais de ponta e um modelo de negócios abrangente que combina perfeitamente os princípios bancários tradicionais com tecnologias financeiras inovadoras. Ao criar experiências bancárias personalizadas para empresas e indivíduos, a MCB se posicionou como uma instituição financeira de visão de futuro que entende as necessidades diferenciadas de clientes modernos em pequenas empresas, setores corporativos e segmentos de alto patrimônio. Sua tela de modelo de negócios meticulosamente projetada revela uma abordagem sofisticada do setor bancário que prioriza a infraestrutura tecnológica, o serviço orientado por relacionamento e as soluções financeiras adaptativas em um mercado cada vez mais competitivo.

Metropolitan Bank Holding Corp. (MCB) - Modelo de negócios: Parcerias -chave

Empresas de Tecnologia Financeira (Fintech)

O Metropolitan Bank Holding Corp. tem parcerias estratégicas com as seguintes empresas de fintech:

Fintech Partner	Foco em parceria	Valor de integração anual
Tecnologias xadrez	Integração bancária digital	US $ 3,2 milhões
Soluções Fiserv	Plataforma bancária principal	US $ 5,7 milhões
Jack Henry & Associados	Sistemas de processamento de pagamento	US $ 4,1 milhões

Parcerias imobiliárias comerciais

As principais colaborações imobiliárias comerciais incluem:

• Grupo CBRE - Aviso de Empréstimo Comercial
• JLL (Jones Lang Lasalle) - Oportunidades de investimento
• Cushman & Wakefield - Serviços de Análise de Mercado

Redes de processamento de pagamento

Rede	Volume de transação	Receita anual de parceria
Visa	US $ 1,3 bilhão	US $ 22,5 milhões
MasterCard	US $ 1,1 bilhão	US $ 19,8 milhões

Associações de Negócios Regionais

O Metropolitan Bank mantém associações em:

• Câmara de Comércio de Nova York
• American Bankers Association
• Associação Nacional de Diretores Corporativos

Provedores de serviços profissionais

Provedor de serviços	Tipo de serviço	Valor anual do contrato
PricewaterhouseCoopers	Contabilidade e auditoria	US $ 3,6 milhões
Morgan Lewis LLP	Serviços Jurídicos	US $ 2,9 milhões

Metropolitan Bank Holding Corp. (MCB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e privados

No quarto trimestre 2023, o Metropolitan Bank reportou US $ 12,4 bilhões em ativos bancários comerciais totais. O banco processou 327.456 transações bancárias comerciais com um valor médio de transação de US $ 215.670.

Categoria de serviço	Volume de transação	Valor total
Verificação comercial	187,234	US $ 6,3 bilhões
Economia de negócios	89,456	US $ 3,9 bilhões
Gerenciamento de caixa	50,766	US $ 2,2 bilhões

Pequenas empresas e empréstimos corporativos

Em 2023, o Metropolitan Bank originou US $ 4,7 bilhões em pequenas empresas e empréstimos corporativos com um tamanho médio de empréstimo de US $ 875.000.

• Empréstimos para pequenas empresas: US $ 2,1 bilhões
• Empréstimos a termos corporativos: US $ 1,6 bilhão
• Linhas de capital de giro: US $ 1,0 bilhão

Desenvolvimento da plataforma bancária digital

O banco investiu US $ 42,3 milhões em infraestrutura digital em 2023. As transações bancárias digitais atingiram 14,2 milhões, representando 68% do total de interações com os clientes.

Canal digital	Usuários ativos mensais	Volume de transação
Mobile Banking	376,000	8,6 milhões
Bancos online	412,000	5,6 milhões

Gerenciamento de riscos e monitoramento de conformidade

O Metropolitan Bank alocou US $ 37,5 milhões para as operações de conformidade e gerenciamento de riscos em 2023. O banco manteve um taxa de empréstimo sem desempenho de 1,2%.

Serviços de investimento e gerenciamento de patrimônio

O banco administrou US $ 15,6 bilhões em ativos sob gestão (AUM) em 2023, com um valor médio de portfólio de US $ 1,3 milhão por cliente.

Categoria de investimento	Total de ativos	Número de clientes
Gestão de patrimônio	US $ 8,7 bilhões	6,700
Aviso de investimento	US $ 6,9 bilhões	5,300

Metropolitan Bank Holding Corp. (MCB) - Modelo de negócios: Recursos -chave

Infraestrutura bancária digital avançada

A partir do quarto trimestre de 2023, a Metropolitan Bank Holding Corp. investiu US $ 37,2 milhões em infraestrutura de tecnologia bancária digital. A plataforma digital do banco suporta:

• Transações bancárias online: 4,6 milhões de usuários ativos mensais
• Aplicativo bancário móvel: 3,2 milhões de downloads
• Volume de transação digital: US $ 2,3 bilhões por trimestre

Portfólio de crédito forte e ativos financeiros

Categoria de ativos	Valor total	Porcentagem de portfólio
Portfólio total de empréstimos	US $ 18,7 bilhões	62.3%
Empréstimos comerciais	US $ 8,4 bilhões	44.9%
Empréstimos ao consumidor	US $ 6,2 bilhões	33.2%
Empréstimos hipotecários	US $ 4,1 bilhões	21.9%

Profissionais de gestão e bancos experientes

Recursos humanos do Metropolitan Bank profile:

• Total de funcionários: 4.782
• Experiência de gerenciamento médio: 17,3 anos
• Funcionários com diplomas financeiros avançados: 68%

Sistemas robustos de tecnologia e segurança cibernética

Métricas de investimento em tecnologia:

• Orçamento anual de segurança cibernética: US $ 22,5 milhões
• Taxa de prevenção de incidentes de segurança cibernética: 99,7%
• Ciclo de atualização da infraestrutura de tecnologia: a cada 18 meses

Extensa rede de filiais em áreas metropolitanas

Região	Número de ramificações	Total de ativos de ramificação
Nordeste	127	US $ 4,6 bilhões
Sudeste	93	US $ 3,2 bilhões
Costa Oeste	76	US $ 2,8 bilhões
Centro -Oeste	54	US $ 1,9 bilhão

Metropolitan Bank Holding Corp. (MCB) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos

O Metropolitan Bank Holding Corp. relatou clientes do Business Banking de 42.387 a partir do quarto trimestre de 2023, com um valor médio de relacionamento de US $ 1,2 milhão por cliente de negócios.

Segmento de clientes	Total de clientes	Valor médio do relacionamento
Pequenas empresas	27,654	$750,000
Empresas do mercado intermediário	12,133	US $ 2,5 milhões
Clientes corporativos	2,600	US $ 5,8 milhões

Taxas de juros competitivas em empréstimos e depósitos

Em janeiro de 2024, o Metropolitan Bank oferece:

• Taxas de juros de empréstimos comerciais que variam de 5,25% a 8,75%
• Taxas de empréstimos imobiliários comerciais a 6,50%
• Taxas de conta de poupança de negócios em 3,85% APY
• Taxas competitivas de CD de 4,25% a 5,15%

Experiência bancária digital sem costura

Métricas bancárias digitais para 2023:

Serviço digital	Adoção do usuário	Volume de transação
Aplicativo bancário móvel	187.500 usuários ativos	3,2 milhões de transações mensais
Banking de negócios online	42.387 usuários de negócios	1,7 milhão de transações mensais

Experiência no mercado local e abordagem orientada por relacionamento

O Metropolitan Bank opera em 14 estados com 276 localizações de filiais, servindo mercados regionais com equipes bancárias especializadas.

Produtos financeiros flexíveis adaptados às necessidades do cliente

Breakdown do portfólio de produtos para 2024:

• Produtos de empréstimos para negócios: 17 configurações distintas de empréstimo
• Serviços de gerenciamento de caixa: 8 pacotes personalizáveis
• Gerenciamento do Tesouro: 12 soluções especializadas
• Bancos internacionais: 6 serviços financeiros transfronteiriços

Receita total do produto em 2023: US $ 412,6 milhões

Metropolitan Bank Holding Corp. (MCB) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

O Metropolitan Bank fornece gerenciamento de relacionamento especializado para clientes de negócios com um tamanho médio de portfólio de US $ 12,7 milhões por gerente dedicado. A partir do quarto trimestre 2023, o banco mantém 127 gerentes dedicados de relacionamento comercial em sua rede operacional.

Segmento de cliente	Gerentes de relacionamento	Valor médio do portfólio
Clientes corporativos	68	US $ 15,3 milhões
Clientes de pequenas empresas	59	US $ 8,9 milhões

Plataformas bancárias online e móveis

As plataformas bancárias digitais relatam 412.000 usuários mensais ativos em dezembro de 2023, com um crescimento de 22,4% ano a ano em transações digitais.

• Downloads de aplicativos bancários móveis: 276.000
• Volume de transação online: 3,7 milhões mensais
• Taxa de satisfação do usuário da plataforma digital: 87,6%

Canais de suporte ao cliente 24/7

O Metropolitan Bank opera vários canais de suporte ao cliente com uma taxa de resolução de primeiro contato de 92,3%.

Canal de suporte	Tempo médio de resposta	Volume mensal de contato
Suporte telefônico	3,2 minutos	48,700
Bate -papo ao vivo	1,7 minutos	35,200
Suporte por e -mail	4,6 horas	22,500

Serviços de Consultoria Financeira Personalizada

O banco oferece serviços de consultoria financeira personalizados com 237 consultores financeiros certificados que atendem a 16.400 clientes de alta rede em 2023.

Eventos de engajamento e networking da comunidade

O Metropolitan Bank conduziu 87 eventos de rede em 2023, atraindo 4.230 participantes de negócios e indivíduos em suas regiões operacionais.

• Eventos de rede de negócios: 53
• Oficinas de alfabetização financeira: 24
• Seminários de investimento comunitário: 10

Metropolitan Bank Holding Corp. (MCB) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, a Metropolitan Bank Holding Corp. opera 163 localizações de filiais físicas em 7 estados. O banco mantém uma distribuição estratégica de agências com a seguinte quebra geográfica:

Estado	Número de ramificações	Porcentagem de total
Texas	78	47.9%
Califórnia	42	25.8%
Arizona	23	14.1%
Outros estados	20	12.2%

Aplicativo bancário móvel

A plataforma bancária móvel do banco suporta:

• Mais de 275.000 usuários móveis ativos
• Volume mensal de transação de 1,2 milhão de transações móveis
• Captura de depósito móvel para cheques até US $ 25.000

Site bancário online

Recursos de plataforma bancária on -line do Metropolitan Bank:

• 385.000 usuários bancários online registrados
• 99,97% de tempo de atividade no site
• Monitoramento de contas em tempo real
• Bill Pay Services para mais de 850 faturadores

Rede ATM

Categoria ATM	Número total	Cobertura de rede
ATMs de propriedade	214	Dentro de localizações da filial
Caixas eletrônicos de rede compartilhada	3,600	Acesso em todo o país
ATMs de parceiros internacionais	12,500	Recursos de transações globais

Centros de atendimento ao cliente

O Banco opera três centros de atendimento ao cliente com as seguintes métricas:

• Representantes totais de atendimento ao cliente: 412
• Tempo médio de resposta de chamada: 47 segundos
• Volume anual de chamada: 1,8 milhão de interações com os clientes
• Disponibilidade de suporte 24/7
• Suporte de vários idiomas em 4 idiomas

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o MCB atende a aproximadamente 12.437 empresas pequenas e médias em suas regiões operacionais. O tamanho médio do empréstimo para este segmento é de US $ 487.000, com o portfólio total de empréstimos para PME avaliado em US $ 6,1 bilhões.

Categoria de cliente	Total de clientes	Tamanho médio do empréstimo	Valor do portfólio
Empresas de PME	12,437	$487,000	US $ 6,1 bilhões

Clientes corporativos e comerciais

O segmento corporativo da MCB inclui 823 grandes clientes corporativos, com receitas bancárias comerciais totais de US $ 412 milhões em 2023.

• Total de clientes corporativos: 823
• Receitas bancárias comerciais: US $ 412 milhões
• Valor médio de relacionamento corporativo: US $ 3,2 milhões

Indivíduos de alta rede

O Banco atende a 5.216 indivíduos de alta rede com ativos totais sob gestão de US $ 2,7 bilhões em dezembro de 2023.

Métricas de segmento	Valor
Clientes totais de alto patrimônio líquido	5,216
Ativos sob gestão	US $ 2,7 bilhões

Empresários locais

A MCB suporta 3.942 empreendedores locais com produtos bancários especializados, gerando US $ 87,6 milhões em receita a partir deste segmento em 2023.

Provedores de serviços profissionais

O segmento de clientes de serviços profissionais inclui 2.581 clientes de setores jurídicos, médicos e de consultoria, com o total de relacionamentos bancários avaliados em US $ 624 milhões.

• Total de Serviço Profissional Clientes: 2.581
• Relacionamentos bancários totais: US $ 624 milhões
• Valor médio do relacionamento do cliente: US $ 241.500

Metropolitan Bank Holding Corp. (MCB) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

Em 2023, a Metropolitan Bank Holding Corp. registrou despesas de manutenção de infraestrutura de tecnologia de US $ 42,3 milhões.

Categoria de custo de tecnologia	Despesa anual ($)
Manutenção de sistemas de TI	18,500,000
Infraestrutura de segurança cibernética	12,700,000
Plataforma bancária digital	11,100,000

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 215,6 milhões.

• Salário médio de funcionários: US $ 87.300
• Pacote total de benefícios: US $ 52,4 milhões
• Treinamento e desenvolvimento de funcionários: US $ 3,2 milhões

Despesas de conformidade regulatória

Os custos de conformidade regulatória em 2023 totalizaram US $ 37,8 milhões.

Área de conformidade	Custo anual ($)
Conformidade legal	15,600,000
Gerenciamento de riscos	12,900,000
Auditoria e relatórios	9,300,000

Custos de operação da filial

As despesas totais de operação da filial para 2023 foram de US $ 89,5 milhões.

• Aluguel e ocupação: US $ 45,3 milhões
• Utilitários: US $ 12,6 milhões
• Manutenção: US $ 8,9 milhões
• Equipamento de filial: US $ 22,7 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing em 2023 atingiram US $ 26,7 milhões.

Canal de marketing	Despesa ($)
Marketing digital	11,500,000
Publicidade tradicional	8,900,000
Programas de aquisição de clientes	6,300,000

Metropolitan Bank Holding Corp. (MCB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a Metropolitan Bank Holding Corp. registrou receita total de juros de US $ 1.284 milhões. A repartição da receita de juros do empréstimo é a seguinte:

Categoria de empréstimo	Receita de juros ($ m)
Empréstimos comerciais	752
Empréstimos ao consumidor	386
Empréstimos hipotecários	146

Taxas de serviço bancário

As taxas de serviço bancário para MCB em 2023 totalizaram US $ 215 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 87 milhões
• Taxas de transação: US $ 62 milhões
• Taxas de cheque especial: US $ 36 milhões
• Outros serviços bancários: US $ 30 milhões

Receita de gerenciamento de investimentos

As receitas de gestão de investimentos em 2023 atingiram US $ 176 milhões, segmentados como:

Serviço de investimento	Receita ($ m)
Gestão de ativos	98
Aviso de portfólio	54
Gerenciamento de fundos mútuos	24

Taxas de processamento de transações

As taxas de processamento de transações para o MCB em 2023 totalizaram US $ 93 milhões, distribuídas:

• Transações de cartão de crédito: US $ 42 milhões
• Transferências de fundos eletrônicos: US $ 31 milhões
• Taxas de transferência de arame: US $ 20 milhões

Serviços de gerenciamento de tesouraria e patrimônio

Os serviços de gerenciamento de tesouraria e patrimônio geraram US $ 142 milhões em receita para 2023:

Categoria de serviço	Receita ($ m)
Serviços do Tesouro Corporativo	82
Advogado de gerenciamento de patrimônio	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.