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REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2021

REGULATORY CAPITAL

Schedule of requirements for minimum capital adequacy and classification

Actual and required capital amounts and ratios are presented below at year end (dollars in thousands):


											To be Well Capitalized
						For Capital Adequacy					under Prompt Corrective
	Actual					Purposes					Action Regulations
	Amount			Ratio		Amount			Ratio		Amount			Ratio
At December 31, 2021
Total capital (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	635,002		16.1	%	$	315,815	≥	8.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	601,740		15.2	%	$	315,702	≥	8.0	%	$	394,628	≥	10.0%
Tier 1 common equity (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	554,760		14.1	%	$	177,646	≥	4.5	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	566,835		14.4	%	$	177,582	≥	4.5	%	$	256,508	≥	6.5%
Tier 1 capital (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	575,380		14.6	%	$	236,861	≥	6.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	566,835		14.4	%	$	236,777	≥	6.0	%	$	315,702	≥	8.0%
Tier 1 capital (to average assets)
Metropolitan Bank Holding Corp.	$	575,380		8.5	%	$	270,863	≥	4.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	566,835		8.4	%	$	270,800	≥	4.0	%	$	338,499	≥	5.0%

At December 31, 2020
Total capital (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	410,959		12.7	%	$	257,941	≥	8.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	410,295		12.7	%	$	257,827	≥	8.0	%	$	322,284	≥	10.0%
Tier 1 common equity (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	324,592		10.1	%	$	145,092	≥	4.5	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	374,712		11.6	%	$	145,028	≥	4.5	%	$	209,485	≥	6.5%
Tier 1 capital (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	350,714		10.9	%	$	193,456	≥	6.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	374,712		11.6	%	$	193,370	≥	6.0	%	$	257,827	≥	8.0%
Tier 1 capital (to average assets)
Metropolitan Bank Holding Corp.	$	350,714		8.5	%	$	165,767	≥	4.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	374,712		9.0	%	$	165,704	≥	4.0	%	$	207,130	≥	5.0%