Metropolitan Bank Holding Corp. (NYSE:MCB) Q2 2025 Earnings Conference Call July 18, 2025 9:00 AM ET
Company Participants
Daniel F. Dougherty – Executive VP & CFO
Mark R. DeFazio – President, CEO & Director
Conference Call Participants
David Joseph Konrad – Keefe, Bruyette, & Woods, Inc., Research Division
Feddie Justin Strickland – Hovde Group, LLC, Research Division
Mark Thomas Fitzgibbon – Piper Sandler & Co., Research Division
Operator
Welcome to Metropolitan Commercial Bank’s Second Quarter 2025 Earnings Call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive Officer; and Dan Doherty, Executive Vice President and Chief Financial Officer. Today’s call is being recorded. [Operator Instructions]
During today’s presentation, reference will be made to the company’s earnings release and investor presentation, copies of which are available at mcbankny.com.
Today’s presentation may include forward-looking statements that are subject to risks and uncertainties that may cause actual results to differ materially. Please refer to the company’s notices regarding forward-looking statements and non-GAAP measures that appear in the earnings release and investor presentation.
It is now my pleasure to turn the floor over to Mark DeFazio, President and Chief Executive Officer. You may begin.
Mark R. DeFazio
Thank you. Good morning, and thank you all for joining our second quarter earnings call. Our second quarter financial results further underscore the strength and stability of our business model. Following our strong first quarter, we continue to grow our loan portfolio funded by core deposits. In the second quarter, outstanding loans increased by $271 million or 4.3% and core deposits were up $342 million or 5.3%.
Additionally, we expanded our NIM by 15 basis points to 3.83%, up from 3.68% in prior quarter, making this our seventh consecutive quarter of margin expansion. Despite the ongoing uncertainty caused by tariff headlines and market fluctuations, our outlook for
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