MCB · Metropolitan Bank Holding Corp.

The Wagner College Holocaust Center Advisory Board will honor Jane V. DeFazio, Ph.D., Associate Professor, and Mark R. DeFazio with the Monroe J. Klein ’66 Humanitarian Award at the 2026 Community Mitzvah Awards Dinner, recognizing their longstanding commitment to compassion, community service, and support of educational and humanitarian initiatives. The awards dinner will take place Wednesday, March 18, 2026, from 6:00 PM to 10:00 PM at Wagner College’s Union Dining Hall in Staten Island, New York. The Community Mitzvah Awards celebrate individuals who have strengthened Jewish life and demonstrated exceptional leadership and kindness within the broader community. Proceeds from the event support the mission of the Wagner College Holocaust Center, which promotes education, remembrance, and dialogue around the history and lessons of the Holocaust. Jane V. DeFazio, Ph.D., Associate Professor at Wagner College’s Evelyn L. Spiro School of Nursing, is widely recognized for her dedication to

Expands National Healthcare Lending Platform Metropolitan Commercial Bank (the “Bank”) today announced that it has received approval from the U.S. Department of Housing and Urban Development (HUD) to participate as a lender in the Multifamily Accelerated Processing (MAP) and LEAN (Section 232) programs. This designation authorizes the Bank to originate FHA-insured loans for healthcare facilities nationwide, including skilled nursing, assisted living, and other residential care properties. The approval marks a significant strategic expansion of the Bank’s commercial healthcare lending platform and strengthens its position as a leading healthcare-focused lender. “We are proud to receive HUD MAP/LEAN approval,” said Scott Lublin, EVP and Chief Lending Officer of Metropolitan Commercial Bank. “This milestone reflects our deep experience in healthcare lending and reinforces our long-term commitment to financing high-quality operators across the country. The FHA 232 program allows us to

Metropolitan Bank Holding Corp. (NYSE: MCB) (the “Company”), the holding company for Metropolitan Commercial Bank (the “Bank”), today announced the pricing of an underwritten public offering of 2,100,000 shares of its common stock at a price of $85.00 per share. The Company also granted the underwriters a 30-day option to purchase up to an additional 15% of the shares of common stock sold in connection with the offering. The aggregate gross proceeds of the offering will be approximately $178.5 million before discounts and expenses. Assuming full exercise by the underwriters of their option to purchase additional shares, the aggregate gross proceeds of the offering would be approximately $205.3 million before discounts and expenses. The Company plans to use the net proceeds from the offering to support its organic growth initiatives, investments in the Bank, working capital for ongoing operations, and general corporate purposes. The offering is expected to close on February 27, 2026,

Metropolitan Bank Holding Corp. (NYSE: MCB) (the “Company”), the holding company for Metropolitan Commercial Bank (the “Bank”), today announced it launched an underwritten public offering of $175.0 million of common stock. The Company also expects to grant the underwriters a 30-day option to purchase up to an additional 15% of the shares of common stock sold in connection with the proposed offering. The offering is subject to market and other conditions, and there can be no assurance as to whether or when the offering may be completed, or as to the actual size or terms of the offering. The Company plans to use the net proceeds from the offering to support its organic growth initiatives, investments in the Bank, working capital for ongoing operations, and general corporate purposes. UBS Investment Bank and Hovde Group, LLC are acting as joint book-running managers. The Company has filed with the Securities and Exchange Commission (the “SEC”) a shelf registration statement (including a

Metropolitan Bank Holding Corp. (the “Company”) (NYSE: MCB), the holding company for Metropolitan Commercial Bank (the “Bank”), a full-service commercial bank based in New York City, announced that it will host an investor day on Tuesday, March 3, 2026, from 9:30 a.m. to 1:30 p.m. ET. The event will feature presentations and Q&A sessions with Founder, President & CEO, Mark DeFazio, EVP & CFO, Dan Dougherty, and other Bank executives covering commercial lending and credit, including skilled nursing and residential healthcare lending; the Bank's diverse deposit verticals, including solutions for EB-5 investments; as well as its technology and Artificial Intelligence (AI) initiatives. To participate virtually in the live webcast, including access to audio, video, presentation slides, and question-and-answer sessions, please register online at: https://app.webinar.net/kW1BqVW4jlr . Following the conclusion of the event, a replay of the webcast will be available at

Quarterly Net Income of $28.9 Million Supported by Continued Margin Expansion to 4.10% Achieved Quarterly Annualized ROAE of 15.6% Financial Highlights Diluted earnings per share of $2.77 for the fourth quarter of 2025, compared to $0.67 for the prior linked quarter and $1.88 for the prior year period. Net interest income for the fourth quarter of 2025 was $85.3 million, an increase of $8.0 million, or 10.4%, compared to $77.3 million for the prior linked quarter and an increase of $18.7 million or 28.1%, compared to the prior year period. The net interest margin for the fourth quarter of 2025 was 4.10%, an increase of 22 basis points compared to 3.88% for the prior linked quarter and an increase of 44 basis points compared to 3.66% for the prior year period. Annualized return on average equity (“ROAE”) of 15.6% and annualized return on average tangible common equity 1 (“ROATCE”) of 15.8% for the fourth quarter of 2025. On January 16, 2026, declared a quarterly cash dividend of

Metropolitan Bank Holding Corp. (the “Company”) (NYSE: MCB), the holding company for Metropolitan Commercial Bank, today announced a quarterly cash dividend of $0.20 per share on the Company’s common stock (the “Dividend”), an increase of $0.05 from the prior quarterly dividend of $0.15 per share. The Dividend is payable on February 6, 2026 to holders of record of the Company’s common stock at the close of business on January 27, 2026. About Metropolitan Bank Holding Corp. Metropolitan Bank Holding Corp. (NYSE: MCB) is the parent company of Metropolitan Commercial Bank (the “Bank”), a New York City based full-service commercial bank. The Bank provides a broad range of business, commercial and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities, and local government entities. Metropolitan Commercial Bank was named one of Newsweek’s Best Regional Banks in 2024 and 2025. The

Metropolitan Bank Holding Corp. (the “Company”) (NYSE: MCB), the holding company for Metropolitan Commercial Bank, today announced it will release fourth quarter and full year 2025 financial results after the market closes on Tuesday, January 20, 2026. The Company will conduct a conference call at 9:00 a.m. ET on Wednesday, January 21, 2026, to discuss the results. To access the event by telephone, please dial 800-245-3047 (US), 203-518-9765 (INTL), and provide conference ID: MCBQ425 approximately 15 minutes prior to the start time (to allow time for registration). The call will also be broadcast live over the Internet and accessible at MCB Quarterly Results Conference Call and in the Investor Relations section of the Company’s website at MCB News. To listen to the live webcast, please visit the site at least 15 minutes prior to the start time to register, download and install any necessary audio software. For those unable to join for the live presentation, a replay of the webcast