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v3.25.4

REGULATORY CAPITAL (Summary of actual capital amounts and ratios) (Details) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2025 USD ($) | Dec. 31, 2024 USD ($)
REGULATORY CAPITAL |  |
Percentage of capital conversion buffer | 0.043% | 0.053%
Tier 1 leverage ratio (to average assets), Actual Amount | $ 793,738 | $ 793,847
Tier 1 leverage ratio (to average assets), Actual Ratio | 0.095 | 0.108
Tier 1 leverage ratio (to average assets), For Capital Adequacy Amount | $ 333,936 | $ 294,141
Tier 1 leverage ratio (to average assets), For Capital Adequacy Ratio | 0.04 | 0.04
Tier 1 common equity (to risk-weighted assets), Actual Amount | $ 773,118 | $ 773,227
Tier 1 common equity (to risk-weighted assets), Actual Ratio | 0.107 | 0.119
Tier 1 common equity (to risk-weighted assets), For Capital Adequacy Amount | $ 324,706 | $ 291,450
Tier 1 common equity (to risk-weighted assets), For Capital Adequacy Ratio | 0.045 | 0.045
Tier 1 common equity (to risk-weighted assets), Minimum Capital Conservation Buffer | 0.025 | 0.025
Tier 1 capital (to risk-weighted assets), Actual Amount | $ 793,738 | $ 793,847
Tier 1 capital (to risk-weighted assets), Actual Ratio | 0.11 | 0.123
Tier 1 capital (to risk-weighted assets), For Capital Adequacy Amount | $ 432,941 | $ 388,600
Tier 1 capital (to risk-weighted assets), For Capital Adequacy Ratio | 0.06 | 0.06
Tier 1 capital (to risk-weighted assets), Minimum Capital Conservation Buffer | 0.025 | 0.025
Total capital (to risk-weighted assets), Actual Amount | $ 884,046 | $ 859,129
Total capital (to risk-weighted assets), Actual Ratio | 0.123 | 0.133
Total capital (to risk-weighted assets), For Capital Adequacy Amount | $ 577,255 | $ 518,134
Total capital (to risk-weighted assets), For Capital Adequacy Ratio | 0.08 | 0.08
Total capital (to risk-weighted assets), Minimum Capital Conservation Buffer | 0.025 | 0.025
Metropolitan Commercial Bank |  |
REGULATORY CAPITAL |  |
Percentage of capital conversion buffer | 0.037% | 0.05%
Tier 1 leverage ratio (to average assets), Actual Amount | $ 756,729 | $ 775,106
Tier 1 leverage ratio (to average assets), Actual Ratio | 0.091 | 0.106
Tier 1 leverage ratio (to average assets), For Capital Adequacy Amount | $ 334,012 | $ 293,513
Tier 1 leverage ratio (to average assets), For Capital Adequacy Ratio | 0.04 | 0.04
Tier 1 leverage ratio (to average assets), To be Well Capitalized under Prompt Corrective Action Regulations Amount | $ 417,514 | $ 366,892
Tier 1 leverage ratio (to average assets), To be Well Capitalized under Prompt Corrective Action Regulations Ratio | 0.05 | 0.05
Tier 1 common equity (to risk-weighted assets), Actual Amount | $ 756,729 | $ 775,106
Tier 1 common equity (to risk-weighted assets), Actual Ratio | 0.105 | 0.12
Tier 1 common equity (to risk-weighted assets), For Capital Adequacy Amount | $ 324,676 | $ 291,421
Tier 1 common equity (to risk-weighted assets), For Capital Adequacy Ratio | 0.045 | 0.045
Tier 1 common equity (to risk-weighted assets), To be Well Capitalized under Prompt Corrective Action Regulations Amount | $ 468,976 | $ 420,942
Tier 1 common equity (to risk-weighted assets), To be Well Capitalized under Prompt Corrective Action Regulations Ratio | 0.065 | 0.065
Tier 1 common equity (to risk-weighted assets), Minimum Capital Conservation Buffer | 0.025 | 0.025
Tier 1 capital (to risk-weighted assets), Actual Amount | $ 756,729 | $ 775,106
Tier 1 capital (to risk-weighted assets), Actual Ratio | 0.105 | 0.12
Tier 1 capital (to risk-weighted assets), For Capital Adequacy Amount | $ 432,901 | $ 388,562
Tier 1 capital (to risk-weighted assets), For Capital Adequacy Ratio | 0.06 | 0.06
Tier 1 capital (to risk-weighted assets), To be Well Capitalized under Prompt Corrective Action Regulations Amount | $ 577,202 | $ 518,082
Tier 1 capital (to risk-weighted assets), To be Well Capitalized under Prompt Corrective Action Regulations Ratio | 0.08 | 0.08
Tier 1 capital (to risk-weighted assets), Minimum Capital Conservation Buffer | 0.025 | 0.025
Total capital (to risk-weighted assets), Actual Amount | $ 847,028 | $ 840,387
Total capital (to risk-weighted assets), Actual Ratio | 0.117 | 0.13
Total capital (to risk-weighted assets), For Capital Adequacy Amount | $ 577,202 | $ 518,082
Total capital (to risk-weighted assets), For Capital Adequacy Ratio | 0.08 | 0.08
Total capital (to risk-weighted assets), To be Well Capitalized under Prompt Corrective Action Regulations Amount | $ 721,502 | $ 647,603
Total capital (to risk-weighted assets), To be Well Capitalized under Prompt Corrective Action Regulations Ratio | 0.10 | 0.10
Total capital (to risk-weighted assets), Minimum Capital Conservation Buffer | 0.025 | 0.025

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