Exhibit 99.1 Release: 4:05 P.M. April 18, 2024 212-365-6721 IR@MCBankNY.com Metropolitan Bank Holding Corp. Reports First Quarter 2024 Results Strong commercial bank franchise underscores resiliency in challenging macroeconomic environment Investment in core banking digital transformation underway to support continued growth Financial Highlights ● Total deposits at March 31, 2024 were $6.2 billion, an increase of $500.3 million from December 31, 2023 and an increase of $1.1 billion from March 31, 2023. ● Ne ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-38282 METROPOLITAN BANK HOLDING CORP. (Exact name of registrant as specified in its charter) New York 13-4042724 (State or other jurisdiction of incorporation or orga ...

财务数据和关键指标变化 - 2023年全年每股收益为6.91美元,年末每股账面价值为58.69美元 [8] - 第四季度贷款增加2.7亿美元,约5%的增长,净利息收入增加340万美元或6.4%,净利差扩大9个基点 [8] - 存款增加2.15亿美元,主要来自市政、贷款客户和EB5相关存款 [9] - 第四季度新增贷款加权平均利率为8.7%,高于9月贷款组合收益率6.73% [10] - 贷款组合中固定利率贷款占比有所上升,浮动利率贷款偿还有所增加 [10] 资产质量和信贷情况 - 资产质量保持良好,未发现任何贷款产品、地区或行业出现明显的负面趋势 [11] - 第四季度计提6.5亿美元拨备,主要由于贷款增长和一笔单一担保人的不良贷款 [11] - 不良贷款有所增加,但由于有强大的担保人和抵押品价值,预计损失风险很小 [11] 非利息收入 - 第四季度非利息收入为650万美元,与上一季度持平 [12] - 由于监管环境变化,公司决定退出面向消费者的金融科技业务(B2C),预计将导致2024年收入减少2%-3% [12] - 公司将专注于面向企业的金融科技业务(B2B),并计划增加存款业务 [12] 非利息支出 - 剔除第三季度3百万美元的监管和解费用后,第四季度非利息支出环比增加约3百万美元 [13] - 2024年人工成本预计增加6%-8%,专业服务费用将下降至每季度4百万美元左右,总体非利息支出预计增加10%-12% [13] 银行现代化项目 - 2024年银行现代化项目预计总成本约9.5百万美元,主要集中在2024年 [14][15] - 该项目将提升系统可扩展性、数据挖掘能力、支付处理能力和客户体验 [15]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________________ to __________________ Commission File No. 001-38282 Metropolitan Bank Holding Corp. (Exact Name of Registrant as Specified in Its Charter) New Yor ...

财务数据和关键指标变化 - 第三季度净利润为2210万美元,每股收益1.97美元 [11] - 净利息收入保持稳定,为5360万美元 [11] - 贷款净增长2.05亿美元,或4% [14] - 存款总额增加2.91亿美元,或近6% [13] - 非计息存款增加7500万美元,或4.1% [13] 各条业务线数据和关键指标变化 - 公司支付业务收入同比增长104% [20] - 新增贷款平均收益率为8.7%,高于第二季度组合收益率6.54% [15] 各个市场数据和关键指标变化 - 无相关内容 公司战略和发展方向及行业竞争 - 公司正在开发1031、Title和EB-5等新的存款业务线,预计将在2024年全面推出 [32][33] - 公司正在加大对数字化和技术投资,未来将继续推动核心效率比率降至40%左右 [28][29] 管理层对经营环境和未来前景的评论 - 尽管过去9个月经营环境充满挑战,但公司已做好充分准备并能够应对 [6] - 公司有信心通过新的存款业务线和其他存款及费用收入举措来抵御利差压缩,并最终扩大利差 [8] - 公司认为已经接近净息差拐点,预计第四季度及明年第一季度净息差将开始回升 [46][47][48] 问答环节重要的提问和回答 问题1 **Chris O'Connell 提问** 询问公司是否还有进一步的核心无息存款结构性变化,以及新存款业务线是否能够抵消相关变化 [38][39] **Greg Sigrist 回答** 公司预计现有存款业务线的无息存款占比将保持稳定,新业务线将在未来一年内大幅提升存款规模和改善存款结构 [39][40][41] 问题2 **Christopher O'Connell 提问** 询问公司对未来利息收益率和净息差的预期 [46][47] **Greg Sigrist 回答** 公司认为第三季度可能已经见到净息差拐点,预计第四季度和明年第一季度净息差将开始回升 [47][48] 问题3 **Alex Lau 提问** 询问公司对监管同意令的影响,以及对GPG业务的影响 [55][56][60] **Mark DeFazio 回答** 公司已经充分应对监管要求,不会对GPG业务产生重大影响,未来将主要聚焦于B2B支付业务 [56][57][60]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________________ to __________________ Commission File No. 001-38282 Metropolitan Bank Holding Corp. (Exact Name of Registrant as Specified in Its Charter) New York 13- ...

Metropolitan Bank (NYSE:MCB) Q2 2023 Earnings Conference Call July 21, 2023 9:00 AM ET Company Participants Mark Defazio - President, Chief Executive Officer Greg Sigrist - Executive Vice President, Chief Financial Officer Conference Call Participants Alex Lau - JP Morgan Chris O’Connell - KBW Operator Welcome to Metropolitan Commercial Bank’s Second Quarter 2023 Earnings Call. Hosting the call today from Metropolitan Commercial Bank are Mark Defazio, President and Chief Executive Officer, and Greg Sigrist, ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________________ to __________________ Commission File No. 001-38282 Metropolitan Bank Holding Corp. (Exact Name of Registrant as Specified in Its Charter) New York 13 ...

Metropolitan Bank Holding Corp. (NYSE:MCB) Q1 2023 Earnings Conference Call April 19, 2023 8:30 AM ET Company Participants Mark Defazio - President, Chief Executive Officer Greg Sigrist - Executive Vice President, Chief Financial Officer Conference Call Participants Chris O’Connell - KBW Alex Lau - JP Morgan Operator Welcome to Metropolitan Commercial Bank’s first quarter 2023 earnings call. Hosting the call today from Metropolitan Commercial Bank are Mark Defazio, President and Chief Executive Officer, an ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-38282 METROPOLITAN BANK HOLDING CORP. (Exact name of registrant as specified in its charter) New York 13-4042724 ( ...