MetroCity Bankshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	227.16	249.88	144.81	179.49	441.34	150.69
Investment Securities	27.55	21.3	21.75	21.76	26.7	16.74
Trading Asset Securities	9.44	21.79	31.78	28.83	0.51	0.16
Mortgage-Backed Securities	6.42	6.39	7.07	7.78	10.42	1.38
Total Investments	43.41	49.48	60.61	58.37	37.63	18.27
Gross Loans	2,974	3,165	3,151	3,065	2,512	1,635
Allowance for Loan Losses	-17.94	-18.74	-18.11	-13.89	-16.95	-10.14
Other Adjustments to Gross Loans	-7.06	-7.38	-8.86	-9.64	-6.44	-4.6
Net Loans	2,949	3,139	3,124	3,042	2,488	1,620
Property, Plant & Equipment	25.55	26.13	26.6	22.72	22.41	24.2
Loans Held for Sale	231.26	-	22.27	-	-	-
Accrued Interest Receivable	16.91	15.86	15.13	13.17	11.05	10.67
Other Real Estate Owned & Foreclosed	0.92	0.43	1.47	4.33	3.62	3.84
Other Long-Term Assets	112.65	92.84	90.11	89.87	82.29	63.46
Total Assets	3,629	3,594	3,503	3,427	3,106	1,897
Interest Bearing Deposits	2,149	1,681	1,732	1,663	1,533	905.86
Institutional Deposits	-	519.83	486.9	391.63	137.87	111.13
Non-Interest Bearing Deposits	544.44	536.28	512.05	611.99	592.44	462.91
Total Deposits	2,693	2,737	2,731	2,667	2,263	1,480
Short-Term Borrowings	0.51	0.24	0.48	0.78	0.05	30
Current Portion of Leases	2.07	1.72	-	-	-	-
Accrued Interest Payable	3.57	3.5	4.13	2.74	0.2	0.22
Long-Term Debt	-	-	-	0.39	0.46	0.48
Federal Home Loan Bank Debt, Long-Term	425	375	325	375	500	80
Long-Term Leases	5.63	6.22	8.65	8.89	9.86	10.91
Other Long-Term Liabilities	53.71	49.21	52.11	23.19	42.35	51.15
Total Liabilities	3,184	3,173	3,121	3,078	2,816	1,653
Common Stock	0.26	0.25	0.25	0.25	0.26	0.26
Additional Paid-In Capital	51.15	49.22	45.7	45.3	51.56	55.67
Retained Earnings	390.97	358.7	315.36	285.83	238.58	188.71
Comprehensive Income & Other	3.51	13.18	20.21	18.04	-0.17	0.2
Shareholders' Equity	445.89	421.35	381.52	349.42	290.22	244.83
Total Liabilities & Equity	3,629	3,594	3,503	3,427	3,106	1,897
Total Debt	433.22	383.18	334.13	385.06	510.37	121.39
Net Cash (Debt)	-196.63	-111.52	-157.54	-176.74	-68.52	29.45
Net Cash Growth	-	-	-	-	-	-86.36%
Net Cash Per Share	-7.65	-4.36	-6.17	-6.88	-2.66	1.14
Filing Date Shares Outstanding	25.48	25.4	25.21	25.14	25.47	25.67
Total Common Shares Outstanding	25.54	25.4	25.21	25.17	25.47	25.67
Book Value Per Share	17.46	16.59	15.14	13.88	11.40	9.54
Tangible Book Value	445.89	421.35	381.52	349.42	290.22	244.83
Tangible Book Value Per Share	17.46	16.59	15.14	13.88	11.40	9.54

Source: S&P Global Market Intelligence. Banks template. Financial Sources.