The institution strengthened its capital position to an equity-to-assets ratio of 0.11 in 2026Q1, supported by an $8.0 billion investment securities portfolio.
Metropolitan Bank Holding Corp. (MCB) balance sheet — 11-year assets, liabilities & shareholders' equity history
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 |
|---|
| Cash & Short Term Investments | 1.89B | 944.64M | 267.16M | 269.46M | 257.42M | 2.93B | 1.13B | 624.16M | 265.5M | 293.39M | 120.26M | 113.11M |
| Cash & Due from Banks | 10.25M | 393.59M | 200.27M | 269.46M | 257.42M | 2.36B | 864.3M | 389.22M | 232.95M | 261.23M | 82.93M | 65.65M |
| Short Term Investments | 0 | 551.05M | 66.89M | 0 | 0 | 566.62M | 266.1M | 234.94M | 30.44M | 32.16M | 37.33M | 47.47M |
| Total Investments | 8.38B | 7.67B | 6.92B | 6.54B | 5.78B | 4.66B | 3.38B | 2.91B | 1.91B | 1.46B | 1.1B | 875.2M |
| Investments Growth % | 45.31% | 10.95% | 5.8% | 13.19% | 23.94% | 37.7% | 16.34% | 52.65% | 30.86% | 32.49% | 25.59% | - |
| Long-Term Investments | 30.61B | 7.12B | 6.85B | 6.54B | 5.78B | 4.09B | 3.12B | 2.67B | 1.88B | 1.42B | 1.06B | 827.74M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 13.25M | 8.86M | 11.03M | 11.02M | 8.15M | 3.17M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M | 9.73M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 0 | 0 | 0 | 0 | 31.87M | 15.12M | 13.47M | 12.1M | 6.88M | 6.27M | 5.04M | 4.64M |
| Other Assets | 465.31M | 187.18M | 183.29M | 172.57M | 116.47M | 15.2M | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 10.25M | 944.64M | 267.16M | 357.11M | 343.02M | 2.98B | 1.19B | 661.68M | 290.79M | 319.74M | 143.71M | 122.68M |
| Total Non-Current Assets | 8.85B | 7.31B | 7.03B | 6.71B | 5.92B | 4.13B | 3.14B | 2.7B | 1.89B | 1.44B | 1.08B | 842.11M |
| Total Assets | 8.86B | 8.26B | 7.3B | 7.07B | 6.27B | 7.12B | 4.33B | 3.36B | 2.18B | 1.76B | 1.22B | 964.79M |
| Asset Growth % | 53.22% | 13.08% | 3.3% | 12.77% | -11.93% | 64.32% | 28.99% | 53.83% | 24.02% | 44.21% | 26.48% | - |
| Return on Assets (ROA) | 1.01% | 0.91% | 0.93% | 1.16% | 0.89% | 1.06% | 1.03% | 1.09% | 1.3% | 0.83% | 0.46% | 0.44% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 37.16M | 62.36M | 24.79M | 19.72M | 22.43M | 11.13M | 5.8M |
| Total Debt | 36.56M | 10.97M | 457.44M | 546.59M | 257.73M | 57.17M | 61.62M | 211.57M | 209.54M | 66.69M | 78.42M | 116.77M |
| Net Debt | 26.3M | -382.61M | 257.17M | 277.12M | 307K | -2.3B | -802.68M | -177.65M | -23.41M | -194.54M | -4.51M | 51.12M |
| Long-Term Debt | 36.56M | 10.97M | 457.44M | 546.59M | 257.73M | 57.17M | 61.62M | 211.57M | 209.54M | 66.69M | 78.42M | 116.77M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 122.48M | 124.45M | 130.51M | 124.77M | 155.8M | 29.47M | 36.45M | 31.32M | 7.69M | 8.88M | 6.86M | 229K |
| Total Current Liabilities | 7.73B | 7.38B | 5.98B | 5.74B | 5.28B | 6.47B | 3.89B | 2.82B | 1.7B | 1.45B | 1.03B | 771.84M |
| Total Non-Current Liabilities | 159.03M | 135.43M | 587.95M | 671.36M | 413.53M | 86.64M | 98.07M | 242.89M | 217.23M | 75.57M | 85.28M | 117M |
| Total Liabilities | 7.89B | 7.51B | 6.57B | 6.41B | 5.69B | 6.56B | 3.99B | 3.06B | 1.92B | 1.52B | 1.11B | 888.84M |
| Total Equity | 968.17M | 743.11M | 729.83M | 659.02M | 575.9M | 556.99M | 340.79M | 299.12M | 264.52M | 236.88M | 109.49M | 75.95M |
| Equity Growth % | 66.62% | 1.82% | 10.74% | 14.43% | 3.39% | 63.44% | 13.93% | 13.08% | 11.67% | 116.35% | 44.16% | - |
| Equity / Assets (Capital Ratio) | 10.93% | 9% | 10% | 9.32% | 9.19% | 7.83% | 7.87% | 8.91% | 12.12% | 13.46% | 8.97% | 7.87% |
| Return on Equity (ROE) | 10.22% | 9.65% | 9.6% | 12.51% | 10.49% | 13.49% | 12.33% | 10.69% | 10.19% | 7.14% | 5.41% | 5.62% |
| Book Value per Share | 84.03 | 69.18 | 64.84 | 59.21 | 51.42 | 60.07 | 40.58 | 35.87 | 31.67 | 28.90 | 14.16 | 24.49 |
| Tangible BV per Share | 84.03 | 69.18 | 64.84 | 59.21 | 51.42 | 59.02 | 39.42 | 34.70 | 30.51 | 27.71 | 12.90 | 21.35 |
| Common Stock | 136K | 113K | 112K | 111K | 109K | 109K | 82K | 82K | 82K | 81K | 45K | 30K |
| Additional Paid-in Capital | 588.13M | 405.56M | 400.19M | 395.87M | 389.28M | 383M | 218.9M | 216.47M | 213.49M | 211.15M | 96.12M | 63.8M |
| Retained Earnings | 495.03M | 450.64M | 382.66M | 315.98M | 240.81M | 181.38M | 120.83M | 81.36M | 51.41M | 25.86M | 13.49M | 12.11M |
| Accumulated OCI | -39.04M | -39.74M | -53.13M | -52.94M | -54.3M | -7.5M | 973K | 1.21M | -473K | -206K | -165K | 16K |
| Treasury Stock | -76.09M | -73.47M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 3K | 3K | 3K | 3K | 3K | 5K |
Quick answers to the most common questions about buying MCB stock.
As of 2025, Metropolitan Bank Holding Corp. (MCB) had total assets of $8.26B including $944.6M in current assets.
Metropolitan Bank Holding Corp. (MCB) carries total debt of $11.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Metropolitan Bank Holding Corp. (MCB) has total shareholders' equity (book value) of $743.1M ($69.18 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Metropolitan Bank Holding Corp. (MCB) reported a current ratio of 0.13x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.
Key Metrics
Top Statement Risk
NYC CRE concentration risk
Metrics are mathematically derived from official filings.
Asset Expansion Through Securities Reinvestment
As reported in recent financial statements, Metropolitan Bank Holding Corp. grew total assets to $8.8 billion by 2026Q1, a notable increase from $7.1 billion in 2023Q4, primarily driven by a strategic expansion of the investment securities portfolio rather than aggressive loan book growth.
The shift toward a larger securities portfolio suggests a defensive posture, likely intended to preserve liquidity while the bank navigates the transition away from its former crypto-asset vertical. Investors should monitor whether this asset mix shift provides sufficient yield to offset the potential compression in net interest margins.
Capital Buffers Supporting Strategic Transition
Based on the bank's quarterly filings, the equity-to-assets ratio stood at 0.11 in 2026Q1, reflecting a strengthening capital position compared to the 0.09 level observed in 2025Q4, which provides a necessary buffer for managing ongoing regulatory and credit-related uncertainties.
The improvement in the capital ratio appears to be a result of disciplined earnings retention and a more conservative approach to balance sheet leverage. This capital cushion may be essential for absorbing potential volatility in the NYC commercial real estate portfolio, which remains a primary area of concern for institutional observers.
Liquidity Profile Remains Highly Liquid
According to the provided balance sheet data, the bank maintained a significant investment securities portfolio of $8.0 billion as of 2026Q1, which serves as a primary liquidity engine despite the fluctuations in cash and cash equivalents observed over the last ten quarters.
The heavy reliance on securities rather than cash suggests that the bank is prioritizing interest-earning liquidity over immediate cash availability. While this strategy supports income generation, it may expose the institution to duration risk if interest rate volatility persists in the near term.
Concentration Risk in NYC Markets
As indicated by the bank's geographic and asset-class footprint, the balance sheet remains heavily exposed to the New York metropolitan commercial real estate market, a risk factor that warrants close monitoring given the recent volatility in property valuations and regulatory oversight.
The bank's structural reliance on this specific urban economy creates a non-obvious risk where systemic local downturns could disproportionately impact the loan book's credit quality. This concentration may necessitate higher-than-average provision coverage, potentially weighing on future profitability despite the bank's otherwise healthy capital ratios.