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  <xsd:element id="mcb_LoansAndLeasesReceivableCommitmentsVariableRatesInterestRatePercentage" name="LoansAndLeasesReceivableCommitmentsVariableRatesInterestRatePercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="mcb_PerformanceRestrictedShareUnitsAwarded" name="PerformanceRestrictedShareUnitsAwarded" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="mcb_EquitySecuritiesFvNiUnrealizedLosses" name="EquitySecuritiesFvNiUnrealizedLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xsd:element id="mcb_ReceivableFromGlobalPaymentsNet" name="ReceivableFromGlobalPaymentsNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xsd:element id="mcb_ProceedsFromSalesAndCallsOfSecurities" name="ProceedsFromSalesAndCallsOfSecurities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xsd:element id="mcb_KeyPersonnelMember" name="KeyPersonnelMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="mcb_ScheduleOfTableShowsAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveIncomeForGainOnSaleOfSecuritiesTableTextBlock" name="ScheduleOfTableShowsAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveIncomeForGainOnSaleOfSecuritiesTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="WeightedAverageServiceInceptionDateFairValueOfAwardSharesInAmount" id="mcb_WeightedAverageServiceInceptionDateFairValueOfAwardSharesInAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LicensingFees" id="mcb_LicensingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnitedStatesAndMunicipalSecuritiesMember" id="mcb_UnitedStatesAndMunicipalSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredTaxLiabilitiesUnrealizedGainOnInterestsRateCap" id="mcb_DeferredTaxLiabilitiesUnrealizedGainOnInterestsRateCap" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PrepaidDebitCardHolderBalance" id="mcb_PrepaidDebitCardHolderBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EquityIncentivePlan2022Member" id="mcb_EquityIncentivePlan2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValueAssetsLevel1ToLevel2TransfersAmounts" id="mcb_FairValueAssetsLevel1ToLevel2TransfersAmounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="EarningsPerShareBasicAndDiluted1Abstract" id="mcb_EarningsPerShareBasicAndDiluted1Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LandBuildingAndImprovementsMember" id="mcb_LandBuildingAndImprovementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RegulatorySettlementReserveExpense" id="mcb_RegulatorySettlementReserveExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PrepaidThirdPartyDebitCardholderBalances" id="mcb_PrepaidThirdPartyDebitCardholderBalances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterestExpenseFederalHomeLoanBankAdvance" id="mcb_InterestExpenseFederalHomeLoanBankAdvance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxAssetsLeaseLiabilities" id="mcb_DeferredTaxAssetsLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxLiabilitiesRightOfUseLeaseAsset" id="mcb_DeferredTaxLiabilitiesRightOfUseLeaseAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="PercentageOfMinimumConversionBufferOnTier1CommonEquityCapitalToRiskWeightedAssets" id="mcb_PercentageOfMinimumConversionBufferOnTier1CommonEquityCapitalToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
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  <xsd:element name="PercentageOfMinimumConversionBufferOnTotalCapitalToRiskWeightedAssets" id="mcb_PercentageOfMinimumConversionBufferOnTotalCapitalToRiskWeightedAssets" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="InterestExpenseFederalFundsPurchasedAndFederalHomeLoanBankAdvances" id="mcb_InterestExpenseFederalFundsPurchasedAndFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InterestRateOnLoansToRelatedParty" id="mcb_InterestRateOnLoansToRelatedParty" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="InterestAndDividendIncomeOnSecurities" id="mcb_InterestAndDividendIncomeOnSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesAndLoanBeforeFeeGross" id="mcb_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesAndLoanBeforeFeeGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestDeferredFeesNetOfOriginationCostBeforeAllowanceForCreditLoss" id="mcb_FinancingReceivableExcludingAccruedInterestDeferredFeesNetOfOriginationCostBeforeAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FrbConsentOrderMember" id="mcb_FrbConsentOrderMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NysdfsConsentOrderMember" id="mcb_NysdfsConsentOrderMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OperatingLeaseLiabilitiesObtained" id="mcb_OperatingLeaseLiabilitiesObtained" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ChargeOffMember" id="mcb_ChargeOffMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValueLiabilitiesLevel1ToLevel2TransfersAmounts" id="mcb_FairValueLiabilitiesLevel1ToLevel2TransfersAmounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueLiabilitiesLevel2ToLevel1TransfersAmounts" id="mcb_FairValueLiabilitiesLevel2ToLevel1TransfersAmounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestModificationsNumberOfContracts" id="mcb_FinancingReceivableExcludingAccruedInterestModificationsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="mcb_DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesExcludingAccruedInterestHeldToMaturityUnrealizedLossPositionFairValue" id="mcb_DebtSecuritiesExcludingAccruedInterestHeldToMaturityUnrealizedLossPositionFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesExcludingAccruedInterestHeldToMaturityUnrealizedLossPositionAccumulatedLoss" id="mcb_DebtSecuritiesExcludingAccruedInterestHeldToMaturityUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" id="mcb_DebtSecuritiesExcludingAccruedInterestHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfUnrealizedGainLossOnInvestmentsTableTextBlock" id="mcb_ScheduleOfUnrealizedGainLossOnInvestmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancialInstrumentsSecuritiesOwnedAndPledgedAtFairValue" id="mcb_FinancialInstrumentsSecuritiesOwnedAndPledgedAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InterestRateSwapsRelatedToClientDepositsAndBorrowingsMember" id="mcb_InterestRateSwapsRelatedToClientDepositsAndBorrowingsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancialInstrumentsSecuritiesOwnedAndPledgedEncumberedValue" id="mcb_FinancialInstrumentsSecuritiesOwnedAndPledgedEncumberedValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InterestExpenseFederalReserveBankAdvancesShortTerm" id="mcb_InterestExpenseFederalReserveBankAdvancesShortTerm" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShlomoRosenbergMember" id="mcb_ShlomoRosenbergMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndDeliveredNumberOfShares" id="mcb_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndDeliveredNumberOfShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NickRosenbergMember" id="mcb_NickRosenbergMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableModifiedInPeriodNotInComplianceWithTermsAmount" id="mcb_FinancingReceivableModifiedInPeriodNotInComplianceWithTermsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProceedsFromRepaymentsOfFederalFundsPurchasedNet" id="mcb_ProceedsFromRepaymentsOfFederalFundsPurchasedNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TimeDepositsInCommunityDevelopmentFinancialInstitutions" id="mcb_TimeDepositsInCommunityDevelopmentFinancialInstitutions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfSalesAndCallsOfSecurities" id="mcb_NumberOfSalesAndCallsOfSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
</xsd:schema>
