XML 50 R40.htm IDEA: XBRL DOCUMENT
v3.23.3

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Activity in the Allowance for Loan Losses by Segment) (Details) - USD ($) | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | $ 51,650,000 | $ 40,534,000 | $ 44,876,000 | $ 34,729,000
Provision /(credit) for loan losses | 777,000 | 2,007,000 | 5,445,000 | 7,807,000
Loans charged-off | (129,000) |  | (273,000) |
Recoveries |  | 0 |  | 5,000
Total ending allowance balance | 52,298,000 | 42,541,000 | 52,298,000 | 42,541,000
Total charge offs | 129,000 |  | 273,000 |
Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | 2,250,000 |
Consumer. |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Loans charged-off | (129,000,000) |  | (273,000,000) |
Total charge offs | 129,000,000 |  | 273,000,000 |
Real estate | Commercial |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 34,621,000 | 25,945,000 | 29,496,000 | 22,216,000
Provision /(credit) for loan losses | 404,000 | 1,019,000 | 5,481,000 | 4,748,000
Total ending allowance balance | 35,025,000 | 26,964,000 | 35,025,000 | 26,964,000
Real estate | Commercial | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | 48,000 |
Real estate | Construction |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 1,600,000 | 2,587,000 | 1,983,000 | 2,105,000
Provision /(credit) for loan losses | 169,000 | (55,000) | (638,000) | 427,000
Total ending allowance balance | 1,769,000 | 2,532,000 | 1,769,000 | 2,532,000
Real estate | Construction | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | 424,000 |
Real estate | Multifamily |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 3,543,000 | 2,539,000 | 2,823,000 | 2,156,000
Provision /(credit) for loan losses | (54,000) | 103,000 | (39,000) | 486,000
Total ending allowance balance | 3,489,000 | 2,642,000 | 3,489,000 | 2,642,000
Real estate | Multifamily | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | 705,000 |
Real estate | One to four family |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 362,000 | 102,000 | 105,000 | 140,000
Provision /(credit) for loan losses | (11,000) | (3,000) | 65,000 | (41,000)
Total ending allowance balance | 351,000 | 99,000 | 351,000 | 99,000
Real estate | One to four family | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | 181,000 |
Commercial and industrial |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 10,977,000 | 9,144,000 | 10,274,000 | 7,708,000
Provision /(credit) for loan losses | 119,000 | 954,000 | 351,000 | 2,390,000
Total ending allowance balance | 11,096,000 | 10,098,000 | 11,096,000 | 10,098,000
Commercial and industrial | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | 471,000 |
Consumer |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 547,000 | 217,000 | 195,000 | 404,000
Provision /(credit) for loan losses | 150,000 | (11,000) | 225,000 | (203,000)
Loans charged-off | (129,000) |  | (273,000) |
Recoveries |  |  |  | 5,000
Total ending allowance balance | 568,000 | $ 206,000 | 568,000 | $ 206,000
Total charge offs | $ 129,000 |  | 273,000 |
Consumer | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period |  |  | $ 421,000 |

X
- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember
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_CommercialRealEstateMember
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_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: |