Metropolitan Commercial Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Metropolitan Commercial Bank. The New York, New York bank had $8.9 billion in assets at June 30, 2026, up 12.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.60% a year earlier. It holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also grew deposits 13.9% over the year, about triple the median of 5.1% for banks its size.
Its $2.3 billion non-owner-occupied commercial real estate book is improving, with 0.10% past due or on nonaccrual, down from 1.98% a year earlier. Deposits are coming in faster than loans: over the year loans rose 10.8% and deposits rose 13.9%. Funding is the softer spot: it pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Metropolitan Commercial Bank reported a CET1 capital ratio of 12.91%, a return on assets of 0.91%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 6.57%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 99 Park Ave, New York, NY 10016
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 21, 1999
- Offices
- 11 domestic
- Employees (FTE)
- 348
- Domestic deposits
- $7.78B
- Allowance for credit losses
- $62.0M
- Net charge-offs (YTD)
- $46.7M
- Average total assets
- $9.01B
- Average total loans
- $7.02B
- Average interest-bearing deposits
- $6.27B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 21, 1999
- FDIC Cert
- 34699
- Fed RSSD
- 2705895
- SEC CIK
- 1476034 → filed by METROPOLITAN BANK HOLDING CORP.
- Website
- www.mcbankny.com →
- Parent Holding Company
- METROPOLITAN BANK HOLDING CORP. (RSSD 2820211) · MCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mark R Defazio | CEO | President and CEO |
| Daniel F Dougherty | CFO | EVP & Chief Financial Officer |
| Dixiana M Berrios | COO | EVP & Chief Operating Officer |
| Norman Scott | CCO | SVP and Chief Credit Officer |
| Gregory Gaare | CRO | SVP & Chief Risk Officer |
| Frederik F Erikson | GC | EVP & General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Metropolitan Commercial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Metropolitan Commercial Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Metropolitan Commercial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 0.91% | 1.04% | 6.57% | 4.09% |
| Q1 2026 | 13.13% | 1.52% | 1.15% | 6.97% | 4.05% |
| Q4 2025 | 10.49% | 1.44% | 1.42% | 10.67% | 4.15% |
| Q3 2025 | 10.45% | 0.41% | 1.61% | 10.14% | 3.93% |
| Q2 2025 | 10.87% | 1.03% | 1.44% | 5.04% | 3.85% |
| Q1 2025 | 11.05% | 0.96% | 1.42% | 4.49% | 3.65% |
| Q4 2024 | 11.97% | 1.22% | 1.47% | 4.15% | 3.70% |
| Q3 2024 | 11.93% | 0.73% | 1.39% | 4.02% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Park Avenue Branch | New York , NY | 10016 | $5.28B |
| Metropolitan Commercial Bank (main office) | New York , NY | 10016 | $1.18B |
| 16 West 46th Street Branch | New York , NY | 10036 | $480.3M |
| Garment District Times Square Branch | New York , NY | 10018 | $250.4M |
| Great Neck Branch | Great Neck , NY | 11021 | $198.1M |
| Boro Park Branch | Brooklyn , NY | 11219 | $194.3M |
| Lexington Avenue Branch | New York , NY | 10028 | $105.5M |
| Brickell Miami Branch | Miami , FL | 33131 | $60.0M |
| Lakewood Branch | Lakewood , NJ | 08701 | $20.9M |
| Main Office Branch | New York , NY | 10016 | $795K |
| West Palm Beach Branch | West Palm Beach , FL | 33401 | $1K |
Regulatory record
What the public regulatory sources show for Metropolitan Commercial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 16, 2023, Federal Reserve: Cease and Desist Order, Civil Money Penalty: Metropolitan Commercial Bank, New York, New York
- Period: Most recent institution action October 16, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NY, rank 33 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Metropolitan Commercial Bank
What are Metropolitan Commercial Bank's total assets?
As of the Q2 2026 filing, Metropolitan Commercial Bank reported total assets of $8.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Metropolitan Commercial Bank headquartered?
Metropolitan Commercial Bank is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Metropolitan Commercial Bank founded?
Metropolitan Commercial Bank was established in 1999, per the FDIC institution directory.
Is Metropolitan Commercial Bank FDIC-insured?
Yes. Metropolitan Commercial Bank is an FDIC-insured commercial bank (FDIC Certificate #34699). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Metropolitan Commercial Bank?
Metropolitan Commercial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Metropolitan Commercial Bank's CET1 capital ratio?
Metropolitan Commercial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Metropolitan Commercial Bank operate?
Metropolitan Commercial Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Metropolitan Commercial Bank's Texas Ratio?
Metropolitan Commercial Bank's Texas Ratio is 6.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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