Metropolitan Commercial Bank is a New York state-chartered commercial bank focused on relationship-based commercial banking in the New York metropolitan area. MCB targets small businesses, middle-market enterprises (up to $400M in annual revenue), and real estate entrepreneurs, offering commercial real estate (CRE) and commercial & industrial (C&I) loans typically ranging from $3M to $40M per loan. Healthcare is a central lending vertical — skilled nursing and residential care facilities represent roughly 43% of the CRE portfolio, and healthcare accounts for about 35% of C&I loans. MCB operates seven banking centers across Manhattan, Brooklyn, Great Neck, and Lakewood (NJ), and is expanding into South Florida in 2026, relying on senior banker relationships and speed of execution rather than branch density to win clients. MCB funds its loan book through a diversified, branch-light deposit model that draws on commercial banking relationships, municipal entities, corporate cash management, EB-5 program escrow accounts, and title and exchange accounts — rather than rate-sensitive retail deposits or wholesale borrowing. MCB earns a net interest margin of approximately 4.1% and grows its loan book at roughly 12-13% annually. Growth is entirely organic; management has explicitly ruled out team acquisitions and M&A, instead focusing on deepening existing relationships, expanding deposit verticals geographically, and rebuilding noninterest income following the 2024 exit of its global payments business.