XML 55 R46.htm IDEA: XBRL DOCUMENT
v3.23.1

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality Indicator (Details) - USD ($) $ in Thousands | Mar. 31, 2023 | Dec. 31, 2022
--- | --- | ---
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | $ 4,865,028 | $ 4,853,495
Past Due |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 51,405 | 32,082
Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 4,813,623 | 4,821,413
Commercial and industrial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 61,040 |
2022 | 372,209 |
2021 | 126,347 |
2020 | 32,843 |
2019 | 17,929 |
2018 & Prior | 12,998 |
Revolving | 312,175 |
Loans | 935,541 | 908,616
Commercial and industrial | Past Due |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 67 | 37
Commercial and industrial | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 935,474 | 908,579
Consumer |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 7,468 |
2021 | 780 |
2018 & Prior | 22,146 |
Loans | 30,394 | 24,931
Consumer | Past Due |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2018 & Prior | 38 |
Loans | 38 | 45
Consumer | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 7,468 |
2021 | 780 |
2018 & Prior | 22,108 |
Loans | 30,356 | 24,886
Commercial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 454,204 |
2022 | 1,587,899 |
2021 | 611,582 |
2020 | 202,380 |
2019 | 226,188 |
2018 & Prior | 154,132 |
Revolving | 42,936 |
Loans | 3,279,321 |
Commercial | Commercial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 40,800 |
Commercial | Real estate |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 3,279,321 | 3,254,508
Commercial | Real estate | Past Due |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 24,000 | 24,000
Commercial | Real estate | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 3,255,321 | 3,230,508
Construction |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 18,720 |
2022 | 70,550 |
2021 | 34,022 |
Loans | 123,292 |
Construction | Real estate |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 123,292 | 143,693
Construction | Real estate | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 123,292 | 143,693
Multifamily |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 5,534 |
2022 | 188,701 |
2021 | 73,566 |
2020 | 33,028 |
2019 | 38,181 |
2018 & Prior | 100,392 |
Revolving | 4,650 |
Loans | 444,052 |
Multifamily | Real estate |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 444,052 | 468,540
Multifamily | Real estate | Past Due |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 27,300 | 8,000
Multifamily | Real estate | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 416,752 | 460,540
One to four family |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2022 | 4,249 |
2020 | 10,432 |
2019 | 12,484 |
2018 & Prior | 25,262 |
Loans | 52,428 |
One to four family | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2022 | 4,249 |
2020 | 10,432 |
2019 | 12,484 |
2018 & Prior | 25,262 |
Loans | 52,428 |
One to four family | Real estate |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 52,428 | 53,207
One to four family | Real estate | Current |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
Loans | 52,428 | $ 53,207
Pass | Commercial and industrial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 61,040 |
2022 | 358,209 |
2021 | 126,347 |
2020 | 32,843 |
2019 | 17,929 |
2018 & Prior | 12,998 |
Revolving | 293,176 |
Loans | 902,542 |
Pass | Commercial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 445,656 |
2022 | 1,528,343 |
2021 | 596,881 |
2020 | 185,291 |
2019 | 226,188 |
2018 & Prior | 154,132 |
Revolving | 42,936 |
Loans | 3,179,427 |
Pass | Construction |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 18,720 |
2022 | 70,550 |
2021 | 34,022 |
Loans | 123,292 |
Pass | Multifamily |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 5,534 |
2022 | 188,701 |
2021 | 73,566 |
2020 | 33,028 |
2019 | 38,181 |
2018 & Prior | 100,392 |
Revolving | 4,650 |
Loans | 444,052 |
Special Mention | Commercial and industrial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2022 | 14,000 |
Revolving | 18,999 |
Loans | 32,999 |
Special Mention | Commercial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2023 | 8,548 |
2022 | 35,556 |
2021 | 14,701 |
2020 | 320 |
Loans | 59,125 |
Substandard | Commercial |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |
2022 | 24,000 |
2020 | 16,769 |
Loans | $ 40,769 |

X
- Definition Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI https://asc.fasb.org/extlink&oid=124255206&loc=SL82895884-210446 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable that can be withdrawn, repaid, and redrawn. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestRevolving
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 3B -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL120267963-210447 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 6 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919232-210447 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CollateralAxis=us-gaap_CommercialRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=mcb_RealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=mcb_MultifamilyRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=mcb_OneToFourFamilyRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |