Metropolitan Commercial Bank
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Data as of · sourced from FFIEC call reports. How we update
Metropolitan Commercial Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1999 (FDIC certificate 34699), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $8.86B, up 12.8% from Q2 2025, the 15th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 12.91% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34699
- Headquarters
- New York, NY
- Established
- 1999
- Total assets, Q2 2026
- $8.86B
- Assets vs Q2 2025
- +12.8%
- CET1 ratio, Q2 2026
- 12.91%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 026013356
- Latest call report
- Q2 2026, FFIEC 041 · Metropolitan Commercial Bank call report
- Holding company
- METROPOLITAN BANK HOLDING CORP.
- Asset rank in state
- 15th of 105 in New York
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 0.91% and a Texas ratio of 6.57%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Metropolitan Commercial Bank is the 15th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $8.86B, loans rose 4.0% and deposits fell 0.2%. Owner-occupied commercial real estate loans made up 42.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 31.7%. Its 11 offices in the FDIC Summary of Deposits are in 6 cities across 3 states; its New York 6 offices book 94% of its branch deposits. By the capital ratios in its Q2 2026 call report, Metropolitan Commercial Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 11 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Metropolitan Commercial Bank's total assets moved between a low of $6.68B (Q3 2023) and a high of $8.86B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.86B total assets against $7.85B; $7.89B total liabilities against $7.12B.
$7.27B net loans and leases against $6.54B; $7.78B total deposits against $6.83B.
$1.09B securities against $944.2M; $239.3M cash and balances due against $152.5M.
$140.9M total interest income against $127.0M; $50.2M total interest expense against $53.1M.
$90.7M net interest income against $74.0M.
$2.6M total noninterest income against $2.6M; $50.1M total noninterest expense against $41.5M.
$13.3M provision for credit losses against $6.4M.
$20.6M net income against $20.1M.
0.91% return on assets against 1.03%; 4.09% net interest margin against 3.85%.
12.91% CET1 capital ratio against 10.87%; 11.07% tier 1 leverage ratio against 9.78%.
Inside the full Metropolitan Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 179 of 4,196, for total assets; its furthest is 2,679 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q3 2025) to 1.52% (Q1 2026) and its net interest margin ran from 3.65% (Q1 2025) to 4.15% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 0.91% | 0.91% | 6.57% | 4.09% |
| Q1 2026 | 13.13% | 1.52% | 1.01% | 6.97% | 4.05% |
| Q4 2025 | 10.49% | 1.44% | 1.28% | 10.67% | 4.15% |
| Q3 2025 | 10.45% | 0.41% | 1.20% | 10.14% | 3.93% |
| Q2 2025 | 10.87% | 1.03% | 0.60% | 5.04% | 3.85% |
| Q1 2025 | 11.05% | 0.96% | 0.54% | 4.49% | 3.65% |
| Q4 2024 | 11.97% | 1.22% | 0.54% | 4.15% | 3.70% |
| Q3 2024 | 11.93% | 0.73% | 0.53% | 4.02% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Metropolitan Commercial Bank headquartered?
It is headquartered in New York, NY, United States.
When was Metropolitan Commercial Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Metropolitan Commercial Bank FDIC-insured?
Yes. It 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.
What is Metropolitan Commercial Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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