REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2020

REGULATORY CAPITAL

Schedule of requirements for minimum capital adequacy and classification

										To be Well Capitalized
					For Capital Adequacy					under Prompt Corrective
	Actual				Purposes					Action Regulations
	Amount		Ratio		Amount			Ratio		Amount			Ratio
At December 31, 2020
Total capital (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	410,959	12.7	%	$	257,941	≥	8.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	410,295	12.7	%	$	257,827	≥	8.0	%	$	322,284	≥	10.0%
Tier 1 common equity (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	324,592	10.1	%	$	145,092	≥	4.5	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	374,712	11.6	%	$	145,028	≥	4.5	%	$	209,485	≥	6.5%
Tier 1 capital (to risk-weighted assets)
Metropolitan Bank Holding Corp.	$	350,714	10.9	%	$	193,456	≥	6.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	374,712	11.6	%	$	193,370	≥	6.0	%	$	257,827	≥	8.0%
Tier 1 capital (to average assets)
Metropolitan Bank Holding Corp.	$	350,714	8.5	%	$	165,767	≥	4.0	%	$	N/A	≥	N/A
Metropolitan Commercial Bank	$	374,712	9.0	%	$	165,704	≥	4.0	%	$	207,130	≥	5.0%
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%