Metropolitan Capital Bank & Trust

Metropolitan Capital Bank & Trust operates as a universal bank, delivering an integrated suite of financial services. Founded in January 2005 by Michael Rose, the bank was established to address a gap in the market for comprehensive financial solutions tailored to a specific client segment. Rose, who serves as the CEO, had an entrepreneurial aspiration and identified that high-net-worth individuals and the small to medium-sized businesses (SMBs) they own were underserved by existing financial institutions. The bank's formation group also included seasoned bankers like Jerry L. Frump, Dick Keneman, and Frank Novel, each bringing decades of industry and regulatory experience.

The bank's business model is centered on a "relationship first" approach, providing Commercial Banking, Private Banking, Investment Banking, and Wealth Consulting services through a single, coordinated platform. This universal banking model is specifically aimed at entrepreneurs, their families, and their businesses, a client base the bank found was disenfranchised with the fragmented services of larger institutions. Revenue is generated through interest income on loans, fees for investment banking advisory services, and wealth management fees. The bank's target clients include high-net-worth individuals, family offices, investors, and SMBs. Within six months of its inception, the institution became known as the "billionaire's bank" due to its focus and growing client roster. The bank holds a federal charter and is a member of the FDIC.

Metropolitan Capital provides customized products and services designed for each stage of a client's growth. Commercial and Private Banking services offer tailored loans and banking products that provide flexibility for both personal and business needs, allowing entrepreneurs to capitalize on investment opportunities without liquidating deployed capital. The Investment Banking division offers advisory services for mergers and acquisitions, capital planning, and financing, guiding business owners through transactions. Furthermore, the Wealth Consulting and Trust Services arm develops comprehensive financial plans covering liquidity needs, tax liabilities, and estate planning. A distinct offering is the Corporate Development Solutions group, which assists with market analysis, due diligence, financial modeling, and can act as a debt marketing agent for companies needing creative capital solutions.

Keywords: universal banking, private banking, commercial banking, investment banking, wealth consulting, high-net-worth individuals, entrepreneur banking, family offices, SMB financing, Michael Rose, middle-market advisory, mergers & acquisitions, capital planning, trust services, estate planning, corporate development solutions, customized lending, private equity placement, secondary market transactions, business succession planning