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REGULATORY CAPITAL (Tables)
 12 Months Ended
Dec. 31, 2019
REGULATORY CAPITAL  
Schedule of requirements for minimum capital adequacy and classification

Actual and required capital amounts and ratios are presented below at year end (dollars in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

To be Well Capitalized

 

 

 

 

 

 

 

For Capital Adequacy

 

under Prompt Corrective

 

 

Actual

 

Purposes

 

Action Regulations

 

 

Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

    

At December 31, 2019

 

  

    

  

    

 

  

  

  

    

 

  

  

  

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Metropolitan Bank Holding Corp.

$

350,403

 

12.5

%  

$

223,973

≥

8.0

%  

$

N/A

≥

N/A

%  

Metropolitan Commercial Bank

$

356,353

 

12.7

%  

$

223,858

≥

8.0

%  

$

279,823

≥
10.0%

%

Tier 1 common equity (to risk-weighted assets)

 

 

 

 

 

 

 

 

  

 

 

 

 

 

 

Metropolitan Bank Holding Corp.

$

282,646

 

10.1

%  

$

125,985

≥

4.5

%  

$

N/A

≥

N/A

%  

Metropolitan Commercial Bank

$

329,905

 

11.8

%  

$

125,920

≥

4.5

%  

$

181,885

≥
6.5%

%

Tier 1 capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

  

 

 

 

 

 

 

Metropolitan Bank Holding Corp.

$

308,769

 

11.0

%  

$

167,980

≥

6.0

%  

$

N/A

≥

N/A

%  

Metropolitan Commercial Bank

$

329,905

 

11.8

%  

$

167,894

≥

6.0

%  

$

223,858

≥
8.0%

%

Tier 1 capital (to average assets)

 

 

 

 

 

 

 

 

  

 

 

 

 

 

 

Metropolitan Bank Holding Corp.

$

308,769

 

9.4

%  

$

131,087

≥

4.0

%  

$

N/A

≥

N/A

%  

Metropolitan Commercial Bank

$

329,905

 

10.1

%  

$

131,000

≥

4.0

%  

$

163,750

≥
5.0%

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

At December 31, 2018

 

  

 

  

 

 

  

  

  

 

 

  

  

  

 

Total capital (to risk-weighted assets)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Metropolitan Bank Holding Corp.

$

319,053

 

16.9

%  

$

151,053

≥

8.0

%  

 

N/A

 

N/A

%  

Metropolitan Commercial Bank

$

314,226

 

16.7

%  

$

150,900

≥

8.0

%  

$

188,625

≥

10.0

%  

Tier 1 common equity (to risk-weighted assets)

 

  

 

  

 

 

  

  

  

 

 

  

  

  

 

Metropolitan Bank Holding Corp.

$

249,655

 

13.2

%  

$

84,968

≥

4.5

%  

 

N/A

 

N/A

%  

Metropolitan Commercial Bank

$

294,880

 

15.6

%  

$

84,881

≥

4.5

%  

$

122,606

≥

6.5

%  

Tier 1 capital (to risk-weighted assets)

 

  

 

  

 

 

  

  

  

 

 

  

  

  

 

Metropolitan Bank Holding Corp.

$

275,158

 

14.6

%  

$

113,290

≥

6.0

%  

 

N/A

 

N/A

%  

Metropolitan Commercial Bank

$

294,880

 

15.6

%  

$

113,175

≥

6.0

%  

$

150,900

≥

8.0

%  

Tier 1 capital (to average assets)

 

  

 

  

 

 

  

  

  

 

 

  

  

  

 

Metropolitan Bank Holding Corp.

$

275,158

 

13.7

%  

$

80,244

≥

4.0

%  

 

N/A

 

N/A

%  

Metropolitan Commercial Bank

$

294,880

 

14.7

%  

$

80,050

≥

4.0

%  

$

100,063

≥

5.0

%