Metropolitan Commercial Bank (FDIC #34699): Bank Stress & Real-Estate Credit Exposure
Metropolitan Commercial Bank (FDIC Cert #34699): bank stress 63/100, elevated, STABLE over 7 days; parent METROPOLITAN BANK HOLDING CORP (MCB).
Metropolitan Commercial Bank (#34699) lends in 6 counties across 3 states; Metropolitan Commercial Bank (#34699) reaches 344 ZIP codes: New York 3 counties, 180 ZIPs; Florida 2 counties, 134 ZIPs; New Jersey 1 county, 30 ZIPs.
Metropolitan Commercial Bank (#34699) largest markets: Miami Dade County, FL (81 branches, 81 ZIPs) (#34699), Nassau County, NY (70 branches, 70 ZIPs) (#34699), New York County, NY (420 branches, 70 ZIPs) (#34699), Palm Beach County, FL (53 branches, 53 ZIPs) (#34699), Kings County, NY (40 branches, 40 ZIPs) (#34699), Ocean County, NJ (30 branches, 30 ZIPs) (#34699).
Metropolitan Commercial Bank (#34699) reports $8.86 billion in total assets; Metropolitan Commercial Bank (#34699) equity $967.2 million (10.9% of Metropolitan Commercial Bank (#34699) assets); Metropolitan Commercial Bank (#34699) domestic deposits $7.78 billion; Metropolitan Commercial Bank (#34699) net income $53.2 million; Metropolitan Commercial Bank (#34699) return on assets 1.23%; Metropolitan Commercial Bank (#34699) return on equity 12.09%; Metropolitan Commercial Bank (#34699) net interest income $176.9 million; Metropolitan Commercial Bank (#34699) call report June 30, 2026.
Metropolitan Commercial Bank (#34699) noncurrent real-estate loans 0.92% of its book; Metropolitan Commercial Bank (#34699) multifamily 9.89%; Metropolitan Commercial Bank (#34699) residential 0.33%; Metropolitan Commercial Bank (#34699) net charge-offs on real estate 0.86%; Metropolitan Commercial Bank (#34699) multifamily charge-offs 5.57%; Metropolitan Commercial Bank (#34699) residential charge-offs 0.08%.
Metropolitan Commercial Bank (#34699) net interest margin 4.20% against an eight-quarter Metropolitan Commercial Bank (#34699) average of 3.88% (Metropolitan Commercial Bank (#34699) compression -0.33 points); Metropolitan Commercial Bank (#34699) real-estate loans 91.9% of equity; Metropolitan Commercial Bank (#34699) non-residential real estate 8.5% of equity; Metropolitan Commercial Bank (#34699) rate-exposure score 40/100, Metropolitan Commercial Bank (#34699) fixed-rate trap 40/100; Metropolitan Commercial Bank (#34699) risk type credit driven; Metropolitan Commercial Bank (#34699) rate regime rates elevated; Metropolitan Commercial Bank (#34699) shares 13.6% below the 52-week high, Metropolitan Commercial Bank (#34699) equity trend weakening, Metropolitan Commercial Bank (#34699) snapshot October 19, 2026.
Metropolitan Commercial Bank (#34699) stress score moved from 56.2 on June 22, 2026 to 62.7 on October 19, 2026; Metropolitan Commercial Bank (#34699) ranged 56.2 to 62.7 over 116 snapshots.
Metropolitan Commercial Bank (#34699) alerts: 6 counties; top Metropolitan Commercial Bank (#34699) alert scores: New York County, NY 43 (moderate); Brooklyn County, NY 23 (low); Great Neck County, NY 23 (low); Lakewood County, NY 23 (low); Miami County, NY 23 (low).