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Metropolitan Bank Holding's Business Segments
Metropolitan Bank Holding's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
2
Largest Segment
Deposit Account
Total Revenue
$ 80
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Deposit Account5.7%
- Financial Service Other0.9%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Account | $ 5 | 5.7% |
| Financial Service Other | $ 1 | 0.9% |
Annual Results
Revenue Share by Reportable Segment - FY
- Deposit Account5.7%
- Financial Service Other0.9%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Account | $ 5 | 5.7% |
| Financial Service Other | $ 1 | 0.9% |
Description of Metropolitan Bank Holding
Metropolitan Bank Holding Corp (Metropolitan Bank) is a banking holding company based in New York City. It was established in 1999 and serves as the parent company of Metropolitan Commercial Bank, which is a financial institution that provides a wide range of banking and financial products and services to individuals, businesses and institutional clients in the United States.
Metropolitan Bank operates as a community bank with a focus on personalized customer service and innovative banking solutions to meet the unique needs of its wide range of clientele. It is a publically traded company that is listed on the New York Stock Exchange (NYSE) under the ticker symbol MCB, making it one of the most prominent banking institutions in the United States.
The bank's product and service offerings include Business Checking accounts, Treasury Management services, money market accounts, savings accounts, CDs, commercial loans, SBA loans, and residential mortgages, among others. Metropolitan Bank is also known for its comprehensive online and mobile banking platforms, which provide customers with quick and easy access to their accounts.
The bank operates a network of branches located in New York City, Great Neck, Long Island, and New Jersey. Its headquarters are located in New York City, where it houses its executive management team, along with its marketing, finance, and operations departments.
Metropolitan Bank has an exceptional track-record of financial performance, with a strong balance sheet and increasing profitability year-on-year. Its total assets have grown exponentially over the years, surpassing $5 billion in 2019, making the bank a formidable player in the financial services industry.
Finally, Metropolitan Bank is dedicated to ethical and responsible banking practices. It is committed to diversity and inclusion, as well as community engagement and philanthropy. The bank provides significant support to charitable organizations and community outreach programs in the localities where it operates, and this has earned it a reputation as a socially responsible institution.
Metropolitan Bank operates as a community bank with a focus on personalized customer service and innovative banking solutions to meet the unique needs of its wide range of clientele. It is a publically traded company that is listed on the New York Stock Exchange (NYSE) under the ticker symbol MCB, making it one of the most prominent banking institutions in the United States.
The bank's product and service offerings include Business Checking accounts, Treasury Management services, money market accounts, savings accounts, CDs, commercial loans, SBA loans, and residential mortgages, among others. Metropolitan Bank is also known for its comprehensive online and mobile banking platforms, which provide customers with quick and easy access to their accounts.
The bank operates a network of branches located in New York City, Great Neck, Long Island, and New Jersey. Its headquarters are located in New York City, where it houses its executive management team, along with its marketing, finance, and operations departments.
Metropolitan Bank has an exceptional track-record of financial performance, with a strong balance sheet and increasing profitability year-on-year. Its total assets have grown exponentially over the years, surpassing $5 billion in 2019, making the bank a formidable player in the financial services industry.
Finally, Metropolitan Bank is dedicated to ethical and responsible banking practices. It is committed to diversity and inclusion, as well as community engagement and philanthropy. The bank provides significant support to charitable organizations and community outreach programs in the localities where it operates, and this has earned it a reputation as a socially responsible institution.
Metropolitan Bank Holding Corp, headquartered in New York, primarily operates through its subsidiary, Metropolitan Commercial Bank. The bank offers a wide array of financial services and products across several segments, catering to both individual and business customers. The main segments include Commercial Banking, Retail Banking, and Wealth Management, each characterized by distinctive offerings designed to meet the varied needs of their clientele.
Commercial Banking
The Commercial Banking segment of Metropolitan Bank Holding Corp is primarily geared towards serving the diverse financial needs of small and medium-sized enterprises (SMEs). This segment provides a comprehensive suite of products and services that facilitate growth and operational efficiency for businesses. Key offerings include:
- Loan Products:
- Term Loans: Fixed-rate loans for purchasing equipment, real estate, or financing business expansion.
- Lines of Credit: Flexible credit lines that allow businesses to draw funds as needed, helping manage cash flow and cover short-term expenses.
- Asset-Based Lending: Loans secured by the company’s assets, such as inventory and receivables, enabling businesses to access capital based on their short-term financial position.
- Commercial Real Estate Financing: Tailored financing solutions for purchasing, refinancing, or developing commercial properties. This includes loans for office buildings, retail spaces, and multi-family housing.
- Treasury Management Services: A suite of services designed to help businesses manage their cash flow efficiently, including:
- Receivables Management: Services that streamline the collection process and improve cash flow.
- Payables Management: Solutions to optimize outgoing payments and manage expenses.
- Merchant Cash Advances: Alternative financing for businesses, providing upfront capital in exchange for a percentage of future sales.
- Government Lending Programs: Offerings such as SBA loans that assist businesses in accessing federal lending initiatives designed to support small businesses.
Retail Banking
Metropolitan Bank Holding Corp’s Retail Banking segment caters to individuals and families, offering essential banking products and services that enhance personal financial management. The retail banking offerings include:
- Deposit Accounts:
- Checking Accounts: Various types of checking accounts providing flexibility and access to funds for everyday transactions.
- Savings Accounts: Interest-bearing accounts that encourage saving while maintaining accessibility to funds.
- Certificates of Deposit (CDs): Fixed-term deposit products offering competitive interest rates for funds that can be set aside for a predetermined time frame.
- ATM/Debit Cards: Cards providing customers with easy access to their accounts for cash withdrawals and transactions.
- Online and Mobile Banking: Offering convenience and control, these platforms allow customers to manage their accounts, transfer funds, pay bills, and deposit checks remotely.
- Credit Cards: Diverse credit card options featuring various rewards and benefits to suit different spending habits.
Wealth Management
The Wealth Management segment is focused on providing tailored investment solutions and financial planning services for high-net-worth individuals and institutional clients. Key offerings in this segment include:
- Investment Management: Professional management of diversified investment portfolios, tailored to meet clients financial goals and risk profiles.
- Trust Services: Comprehensive family trust, estate planning, and fiduciary services to help clients manage and preserve their wealth for future generations.
- Financial Planning: Personalized financial advisory services that include retirement planning, tax strategy, and legacy planning.
- Private Banking Services: Exclusive banking solutions for affluent clients that may include tailored credit solutions, specialized investment opportunities, and concierge services.
Additional Products and Services
Beyond the primary segments, Metropolitan Bank Holding Corp offers a variety of complementary services, enhancing its overall service portfolio:
- Foreign Exchange Services: Providing businesses and individuals with currency exchange solutions to facilitate international transactions.
- Correspondent Banking Services: Banking services offered to other financial institutions, such as providing access to payment systems or allowing them to offer services outside their operations.
- Insurance Services: Offering various types of insurance products that provide financial protection and risk management solutions for individual and business clients.
- Real-Time Payment Solutions: Innovative payment systems that allow for rapid and secure fund transfers, catering to businesses with urgent cash flow needs.
- Various Deposit Account Types: This includes NOW accounts, which offer interest on balances while allowing limited check-writing, money market accounts providing higher interest rates, and time deposits that lock in funds for a specific term in exchange for higher interest.
In summary, Metropolitan Bank Holding Corp provides a broad range of financial services tailored to meet the needs of both individual and business clients through its robust Commercial Banking, Retail Banking, and Wealth Management segments, supplemented by an array of additional services aimed at facilitating seamless banking experiences.
Commercial Banking
The Commercial Banking segment of Metropolitan Bank Holding Corp is primarily geared towards serving the diverse financial needs of small and medium-sized enterprises (SMEs). This segment provides a comprehensive suite of products and services that facilitate growth and operational efficiency for businesses. Key offerings include:
- Loan Products:
- Term Loans: Fixed-rate loans for purchasing equipment, real estate, or financing business expansion.
- Lines of Credit: Flexible credit lines that allow businesses to draw funds as needed, helping manage cash flow and cover short-term expenses.
- Asset-Based Lending: Loans secured by the company’s assets, such as inventory and receivables, enabling businesses to access capital based on their short-term financial position.
- Commercial Real Estate Financing: Tailored financing solutions for purchasing, refinancing, or developing commercial properties. This includes loans for office buildings, retail spaces, and multi-family housing.
- Treasury Management Services: A suite of services designed to help businesses manage their cash flow efficiently, including:
- Receivables Management: Services that streamline the collection process and improve cash flow.
- Payables Management: Solutions to optimize outgoing payments and manage expenses.
- Merchant Cash Advances: Alternative financing for businesses, providing upfront capital in exchange for a percentage of future sales.
- Government Lending Programs: Offerings such as SBA loans that assist businesses in accessing federal lending initiatives designed to support small businesses.
Retail Banking
Metropolitan Bank Holding Corp’s Retail Banking segment caters to individuals and families, offering essential banking products and services that enhance personal financial management. The retail banking offerings include:
- Deposit Accounts:
- Checking Accounts: Various types of checking accounts providing flexibility and access to funds for everyday transactions.
- Savings Accounts: Interest-bearing accounts that encourage saving while maintaining accessibility to funds.
- Certificates of Deposit (CDs): Fixed-term deposit products offering competitive interest rates for funds that can be set aside for a predetermined time frame.
- ATM/Debit Cards: Cards providing customers with easy access to their accounts for cash withdrawals and transactions.
- Online and Mobile Banking: Offering convenience and control, these platforms allow customers to manage their accounts, transfer funds, pay bills, and deposit checks remotely.
- Credit Cards: Diverse credit card options featuring various rewards and benefits to suit different spending habits.
Wealth Management
The Wealth Management segment is focused on providing tailored investment solutions and financial planning services for high-net-worth individuals and institutional clients. Key offerings in this segment include:
- Investment Management: Professional management of diversified investment portfolios, tailored to meet clients financial goals and risk profiles.
- Trust Services: Comprehensive family trust, estate planning, and fiduciary services to help clients manage and preserve their wealth for future generations.
- Financial Planning: Personalized financial advisory services that include retirement planning, tax strategy, and legacy planning.
- Private Banking Services: Exclusive banking solutions for affluent clients that may include tailored credit solutions, specialized investment opportunities, and concierge services.
Additional Products and Services
Beyond the primary segments, Metropolitan Bank Holding Corp offers a variety of complementary services, enhancing its overall service portfolio:
- Foreign Exchange Services: Providing businesses and individuals with currency exchange solutions to facilitate international transactions.
- Correspondent Banking Services: Banking services offered to other financial institutions, such as providing access to payment systems or allowing them to offer services outside their operations.
- Insurance Services: Offering various types of insurance products that provide financial protection and risk management solutions for individual and business clients.
- Real-Time Payment Solutions: Innovative payment systems that allow for rapid and secure fund transfers, catering to businesses with urgent cash flow needs.
- Various Deposit Account Types: This includes NOW accounts, which offer interest on balances while allowing limited check-writing, money market accounts providing higher interest rates, and time deposits that lock in funds for a specific term in exchange for higher interest.
In summary, Metropolitan Bank Holding Corp provides a broad range of financial services tailored to meet the needs of both individual and business clients through its robust Commercial Banking, Retail Banking, and Wealth Management segments, supplemented by an array of additional services aimed at facilitating seamless banking experiences.