Metropolitan Commercial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.85 percentage points in Q2 2026, from 90.40% to 94.26%. It was the largest change from Q1 2026 among the key lines here. Within New York, Metropolitan Commercial Bank is 30th of 105 on loan-to-deposit ratio, 94.26% as of Q2 2026, above the middle of the field. Metropolitan Commercial Bank reported 94.26% on loan-to-deposit ratio for Q2 2026, 6.05 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.33B |
| Net loans and leases | $7.27B |
| Loans held for sale | $0 |
| Loans to total assets | 82.74% |
| Loan-to-deposit ratio | 94.26% |
| Net loans to equity capital | 7.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 74.52% |
| Multifamily (5+ residential) | 5.65% |
| Commercial and industrial | 11.34% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 314.33% |
| Construction concentration (Tier 1 capital + allowance) | 45.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.99% |
| Interest income on loans | $125.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.35B | $5.56B | 63.92% | 17.95% | 0.34% |
| Q4 2023 | $5.62B | $5.77B | 62.93% | 18.39% | 0.30% |
| Q1 2024 | $5.72B | $6.28B | 63.04% | 18.46% | 0.28% |
| Q2 2024 | $5.84B | $6.21B | 63.33% | 18.93% | 0.26% |
| Q3 2024 | $5.90B | $6.32B | 65.46% | 18.12% | 0.24% |
| Q4 2024 | $6.03B | $6.02B | 66.25% | 17.34% | 0.21% |
| Q1 2025 | $6.34B | $6.53B | 67.64% | 16.47% | 0.20% |
| Q2 2025 | $6.61B | $6.83B | 68.61% | 15.37% | 0.17% |
| Q3 2025 | $6.78B | $7.14B | 70.24% | 14.05% | 0.16% |
| Q4 2025 | $6.81B | $7.43B | 71.58% | 12.79% | 0.15% |
| Q1 2026 | $7.05B | $7.79B | 72.77% | 12.80% | 0.14% |
| Q2 2026 | $7.33B | $7.78B | 74.52% | 11.34% | 0.13% |
Metropolitan Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Metropolitan Commercial Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Metropolitan Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34699) · FFIEC NIC profile (RSSD 2705895)