Operator

Hello, and welcome to the 2026 Annual Meeting of Stockholders of Metropolitan Bank Holding Corp. Please note that today's meeting is being recorded.

It is now my pleasure to turn today's meeting over to Anthony Fabiano, Chair of the Board. The floor is yours.

Anthony Fabiano

Thank you. Good morning. I am Tony Fabiano, Chair of the Board of Metropolitan Bank Holding Corp. On behalf of the directors and officers of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank, let me welcome you and express my appreciation to you for your interest in our company and your participation in this virtual meeting today. I also want to take this opportunity on behalf of the Board of Directors to thank our dedicated employees and the management team for their continued diligence and professionalism.

I will now turn the meeting over to Mark DeFazio, President and CEO and a member of the Board, who will chair this meeting.

Mark DeFazio
Founder, President, CEO & Director

Thank you, Tony, and good morning, everyone. In 2025, we demonstrated our continued ability to build long-term shareholder value.

Our sustained out performance since our IPO reflects our disciplined approach. And unyielding focus on our mission, creating value for clients, clearly defining and adhering to our risk appetite and investing thoughtfully in technology and our people. To that end, in 2025, we advanced significant strategic measures to prepare the bank for the future. Ensuring we continue to be a reliable financial partner for our clients, strengthening our competitive positioning while delivering value to our shareholders.

Our financial performance in 2025 and so far in 2026