Metropolitan Bank (MCB) Earnings Transcript

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Wednesday, January 21, 2026 astatine 9 a.m. ET

• President & Chief Executive Officer — Mark DeFazio

• Chief Financial Officer — Daniel Dougherty

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Mark DeFazio: Thank you, and bully morning, and convey you for joining our quarterly net report. We are pleased with our 4th fourth and afloat twelvemonth 2025 performance. Sustained maturation successful nett involvement margin, nett involvement income, deposits, and loans, combined with continued betterment successful our ratio ratio, positioned america to adjacent the twelvemonth connected a beardown note. The momentum we generated successful the 4th fourth sets a coagulated instauration for meaningful advancement successful 2026 and beyond. Our disciplined underwriting and our franchise-wide hazard absorption civilization proceed to anchor our information and soundness approach. For the year, we expanded our indebtedness portfolio by $775 million, representing a maturation of astir 13%. Total indebtedness originations reached astir $1.9 billion.

Loan maturation was funded by deposits, which accrued by astir $1.4 cardinal oregon astir 23%, supported by our strategical backing initiatives. These initiatives included deepening existing deposit verticals and identifying caller opportunities to diversify and fortify our backing base. In the 4th quarter, we opened a full-service subdivision successful Lakewood, New Jersey, arsenic a conversion of an existing administrative office. Additionally, we expect to unfastened 2 caller branches successful Florida successful 2026, 1 successful Miami and 1 successful West Palm Beach, each of which volition heighten our beingness successful these cardinal maturation markets. Asset prime remained coagulated with nary broad-based antagonistic trends crossed indebtedness segments, geographies, oregon sectors.

We proceed to prosecute intimately with our clients to measure evolving marketplace conditions, and feedback to day has not indicated immoderate areas of concern. This is simply a reflection of our disciplined underwriting and proactive portfolio management. Looking ahead, we stay focused connected managing plus quality, optimizing profitability, and expanding our beingness successful New York and different complementary markets. Our strategy for 2026 and beyond centers connected capturing further marketplace stock done accepted channels portion positioning the franchise to capitalize connected opportunities that heighten semipermanent shareholder value. Several caller initiatives volition participate the marketplace successful 2026, and we expect to spot aboriginal returns successful the signifier of low-cost deposits and maturation successful accrued interest income.

These efforts bespeak our committedness to physique a much diversified, efficient, and resilient institution. I privation to explicit my sincere appreciation to our employees and directors for their dedication and publication passim the year. Their committedness to excellence has been instrumental successful Metropolitan Bank Holding Corp.'s sustained show and volition proceed to thrust our occurrence successful years ahead. I volition present crook the telephone implicit to Dan Dougherty, our CFO.