MetroCity Bankshares, Inc. (MCBS)

NASDAQ: MCBS · Real-Time Price · USD

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29.99

+0.04 (0.13%)

At close: Feb 6, 2026, 4:00 PM EST

29.97

-0.02 (-0.07%)

After-hours: Feb 6, 2026, 5:37 PM EST

MetroCity Bankshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	209.5	200.77	181.88	142.82	107.85
Interest Income on Investments	11.33	12.14	10.94	4.41	0.89
Total Interest Income	220.83	212.91	192.83	147.22	108.74
Interest Paid on Deposits	72.9	80.06	80.61	23.56	3.95
Interest Paid on Borrowings	17.48	14.71	10.74	4.05	0.62
Total Interest Expense	90.38	94.77	91.35	27.61	4.57
Net Interest Income	130.45	118.15	101.48	119.61	104.17
Net Interest Income Growth (YoY)	10.41%	16.42%	-15.16%	14.82%	57.55%
Mortgage Banking Activities	2.42	2.45	-0.19	-0.72	-1.04
Gain (Loss) on Sale of Investments	-	0.04	-0.04	1.1	-
Other Non-Interest Income	14.16	13.65	13.22	11.5	21.61
Total Non-Interest Income	25.18	23.06	18.2	17.96	33.21
Non-Interest Income Growth (YoY)	9.20%	26.69%	1.39%	-45.94%	22.05%
Revenues Before Loan Losses	155.63	141.21	119.68	137.57	137.38
Provision for Loan Losses	-0.32	0.52	-0.02	-2.77	6.93
Revenue	155.95	140.69	119.7	140.33	130.45
Revenue Growth (YoY)	10.85%	17.54%	-14.70%	7.58%	45.16%
Salaries and Employee Benefits	36.67	30.58	26.88	28.57	28.69
Occupancy Expenses	5.79	3.14	2.72	2.7	2.68
Selling, General & Administrative	2.19	6.94	6.43	5.79	5.41
Other Non-Interest Expense	13.88	12.72	11.69	12.22	11.53
Total Non-Interest Expense	58.53	53.38	47.73	49.28	48.31
EBT Excluding Unusual Items	97.42	87.31	71.97	91.05	82.14
Asset Writedown	-	-	-	0.16	0.48
Pretax Income	92.93	87.31	71.97	91.22	82.62
Income Tax Expense	24.23	22.81	20.36	28.62	20.92
Net Income	68.71	64.5	51.61	62.6	61.7
Net Income to Common	68.71	64.5	51.61	62.6	61.7
Net Income Growth	6.51%	24.98%	-17.55%	1.46%	69.54%
Basic Shares Outstanding	26	25	25	25	26
Diluted Shares Outstanding	26	26	26	26	26
Shares Change (YoY)	1.65%	0.25%	-0.66%	-0.39%	-0.04%
EPS (Basic)	2.67	2.55	2.05	2.46	2.41
EPS (Diluted)	2.64	2.52	2.02	2.44	2.39
EPS Growth	4.76%	24.75%	-17.21%	2.09%	69.50%
Dividend Per Share	0.960	0.830	0.720	0.600	0.460
Dividend Growth	15.66%	15.28%	20.00%	30.44%	15.00%
Effective Tax Rate	26.07%	26.12%	28.29%	31.37%	25.32%

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q