Call reports 2025
METROPOLITAN CAPITAL BANK & TRUST — 2025
What METROPOLITAN CAPITAL BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 258,944,000 | 246,479,000 | 261,185,000 | 235,465,000 |
| Total loans | 165,145,000 | 175,423,000 | 145,553,000 | 136,634,000 |
| Allowance for loan losses | 7,775,000 | 7,775,000 | 3,412,000 | 5,194,000 |
| Securities available for sale | 52,123,000 | 51,983,000 | 52,506,000 | 52,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,311,000 | 223,086,000 | 212,152,000 | 202,073,000 |
| Interest-bearing deposits | 183,899,000 | 176,829,000 | 174,619,000 | 162,752,000 |
| Noninterest-bearing deposits | 51,412,000 | 46,257,000 | 37,533,000 | 39,321,000 |
| Equity capital | 3,636,000 | 3,671,000 | 4,221,000 | -1,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,837,000 | 9,373,000 | 14,379,000 | 19,041,000 |
| Interest expense | 1,728,000 | 3,673,000 | 5,646,000 | 7,503,000 |
| Net interest income | 3,109,000 | 5,700,000 | 8,733,000 | 11,538,000 |
| Noninterest income | 191,000 | 459,000 | 731,000 | 1,142,000 |
| Noninterest expense | 3,860,000 | 7,471,000 | 11,953,000 | 15,637,000 |
| Provision for loan losses | 69,000 | 19,000 | 8,167,000 | 14,192,000 |
| Pretax income | -639,000 | -1,391,000 | -10,806,000 | -17,299,000 |
| Income tax | -24,000 | 0 | 0 | 0 |
| Net income | -615,000 | -1,391,000 | -10,806,000 | -17,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,356,000 | 12,658,000 | 12,643,000 | 4,893,000 |
| Total capital | 14,911,000 | 15,378,000 | 14,909,000 | 6,984,000 |
| Risk-weighted assets | 197,561,000 | 211,481,000 | 179,200,000 | 161,809,000 |
Machine access — free, no API key
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