XML 49 R39.htm IDEA: XBRL DOCUMENT
v3.24.1.u1

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Activity in the Allowance for Loan Losses by Segment) (Details) - USD ($) | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | $ 57,965,000 | $ 44,876,000 | $ 44,876,000
Provision/(credit) for credit losses | 574,000 | 726,000 |
Loans charged-off | (3,000) | (100,000) |
Recoveries | 2,000 |  |
Total ending allowance balance | 58,538,000 | 47,752,000 | 57,965,000
Net charge-offs | (1,000) |  | (100,000)
Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period |  | 2,250,000 | 2,250,000
Real Estate | Commercial |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | 35,635,000 | 29,496,000 | 29,496,000
Provision/(credit) for credit losses | 1,068,000 | 2,292,000 |
Recoveries | 1,000 |  |
Total ending allowance balance | 36,704,000 | 31,836,000 | 35,635,000
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 | 48,000
Real Estate | Construction |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | 1,765,000 | 1,983,000 | 1,983,000
Provision/(credit) for credit losses | (53,000) | (1,146,000) |
Total ending allowance balance | 1,712,000 | 1,261,000 | 1,765,000
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 | 424,000
Real Estate | Multi-family |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | 8,215,000 | 2,823,000 | 2,823,000
Provision/(credit) for credit losses | (44,000) | (657,000) |
Total ending allowance balance | 8,171,000 | 2,871,000 | 8,215,000
Real Estate | Multi-family | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period |  | 705,000 | 705,000
Real Estate | One-to-four-family |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | 663,000 | 105,000 | 105,000
Provision/(credit) for credit losses | (142,000) | 121,000 |
Total ending allowance balance | 521,000 | 407,000 | 663,000
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 | 181,000
Commercial & industrial |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | 11,207,000 | 10,274,000 | 10,274,000
Provision/(credit) for credit losses | (270,000) | 12,000 |
Total ending allowance balance | 10,937,000 | 10,757,000 | 11,207,000
Commercial & industrial | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period |  | 471,000 | 471,000
Consumer |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period | 480,000 | 195,000 | 195,000
Provision/(credit) for credit losses | 15,000 | 104,000 |
Loans charged-off | (3,000) | (100,000) |
Recoveries | 1,000 |  |
Total ending allowance balance | $ 493,000 | 620,000 | 480,000
Consumer | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Balance at the beginning of period |  | $ 421,000 | $ 421,000

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 increase in allowance for credit loss on financing receivable from recovery. 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 (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

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 decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery
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_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: |