XML 54 R43.htm IDEA: XBRL DOCUMENT
v3.24.2.u1

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Loans by Allowance measurement Method) (Details) - USD ($) $ in Thousands | Jun. 30, 2024 | Mar. 31, 2024 | Dec. 31, 2023 | Jun. 30, 2023 | Mar. 31, 2023 | Dec. 31, 2022
--- | --- | --- | --- | --- | --- | ---
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Individually assessed, Allowance for credit losses | $ 8,008 |  | $ 5,066 |  |  |
Collectively assessed, Allowance for credit losses | 52,000 |  | 52,899 |  |  |
Total ending allowance balance | 60,008 | $ 58,538 | 57,965 | $ 51,650 | $ 47,752 | $ 44,876
Individually assessed, Loans | 121,271 |  | 68,932 |  |  |
Collectively assessed, Loans | 5,734,261 |  | 5,573,080 |  |  |
Total ending loan balance | 5,855,532 |  | 5,642,012 |  |  |
Commercial |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Total ending loan balance | 4,056,013 |  | 3,857,711 |  |  |
Construction |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Total ending loan balance | 146,596 |  | 153,512 |  |  |
Multi-family |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Total ending loan balance | 440,124 |  | 467,536 |  |  |
One-to-four-family |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Total ending loan balance | 92,431 |  | 94,704 |  |  |
Real Estate |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Total ending loan balance | 4,735,164 |  | 4,573,463 |  |  |
Real Estate | Commercial |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Collectively assessed, Allowance for credit losses | 38,484 |  | 35,635 |  |  |
Total ending allowance balance | 38,484 | 36,704 | 35,635 | 34,621 | 31,836 | 29,496
Individually assessed, Loans | 24,000 |  | 40,955 |  |  |
Collectively assessed, Loans | 4,032,013 |  | 3,816,756 |  |  |
Total ending loan balance | 4,056,013 |  | 3,857,711 |  |  |
Real Estate | Construction |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Collectively assessed, Allowance for credit losses | 1,759 |  | 1,765 |  |  |
Total ending allowance balance | 1,759 | 1,712 | 1,765 | 1,600 | 1,261 | 1,983
Collectively assessed, Loans | 146,596 |  | 153,512 |  |  |
Total ending loan balance | 146,596 |  | 153,512 |  |  |
Real Estate | Multi-family |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Individually assessed, Allowance for credit losses | 5,002 |  | 5,002 |  |  |
Collectively assessed, Allowance for credit losses | 2,825 |  | 3,213 |  |  |
Total ending allowance balance | 7,827 | 8,171 | 8,215 | 3,543 | 2,871 | 2,823
Individually assessed, Loans | 51,239 |  | 20,939 |  |  |
Collectively assessed, Loans | 388,885 |  | 446,597 |  |  |
Total ending loan balance | 440,124 |  | 467,536 |  |  |
Real Estate | One-to-four-family |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Collectively assessed, Allowance for credit losses | 131 |  | 663 |  |  |
Total ending allowance balance | 131 | 521 | 663 | 362 | 407 | 105
Collectively assessed, Loans | 92,431 |  | 94,704 |  |  |
Total ending loan balance | 92,431 |  | 94,704 |  |  |
Commercial & industrial |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Individually assessed, Allowance for credit losses | 2,800 |  |  |  |  |
Collectively assessed, Allowance for credit losses | 8,482 |  | 11,207 |  |  |
Total ending allowance balance | 11,282 | 10,937 | 11,207 | 10,977 | 10,757 | 10,274
Individually assessed, Loans | 45,644 |  | 6,934 |  |  |
Collectively assessed, Loans | 1,059,650 |  | 1,044,529 |  |  |
Total ending loan balance | 1,105,294 |  | 1,051,463 |  |  |
Consumer |  |  |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |  |  |
Individually assessed, Allowance for credit losses | 206 |  | 64 |  |  |
Collectively assessed, Allowance for credit losses | 319 |  | 416 |  |  |
Total ending allowance balance | 525 | $ 493 | 480 | $ 547 | $ 620 | $ 195
Individually assessed, Loans | 388 |  | 104 |  |  |
Collectively assessed, Loans | 14,686 |  | 16,982 |  |  |
Total ending loan balance | $ 15,074 |  | $ 17,086 |  |  |

X
- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References No definition available. + Details
Name: | mcb_FinancingReceivableAllowanceForCreditLossesCollectivelyAssessedForImpairment
Namespace Prefix: | mcb_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References No definition available. + Details
Name: | mcb_FinancingReceivableAllowanceForCreditLossesIndividuallyAssessedForImpairment
Namespace Prefix: | mcb_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + References No definition available. + Details
Name: | mcb_FinancingReceivableCollectivelyAssessedForImpairment
Namespace Prefix: | mcb_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, before allowance for credit loss, fee, and loan in process, of financing receivable. + References No definition available. + Details
Name: | mcb_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesAndLoanBeforeFeeGross
Namespace Prefix: | mcb_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The balance of financing receivables that were individually evaluated for impairment. + References No definition available. + Details
Name: | mcb_FinancingReceivableIndividuallyAssessedForImpairment
Namespace Prefix: | mcb_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

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 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_LoansAndLeasesReceivableDisclosureLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

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=mcb_RealEstatePortfolioSegmentMember
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: |