MetroCity Bankshares Balance Sheet

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
Cash & Equivalents	383.68	249.88	144.81	179.49	441.34
Investment Securities	65.83	21.3	21.75	21.76	26.7
Trading Asset Securities	6.34	21.79	31.78	28.83	0.51
Mortgage-Backed Securities	-	6.39	7.07	7.78	10.42
Total Investments	72.17	49.48	60.61	58.37	37.63
Gross Loans	4,078	3,165	3,151	3,065	2,512
Allowance for Loan Losses	-27.84	-18.74	-18.11	-13.89	-16.95
Other Adjustments to Gross Loans	-26.43	-7.38	-8.86	-9.64	-6.44
Net Loans	4,024	3,139	3,124	3,042	2,488
Property, Plant & Equipment	45.07	26.13	26.6	22.72	22.41
Goodwill	56.05	-	-	-	-
Other Intangible Assets	12.63	-	-	-	-
Loans Held for Sale	9.74	-	22.27	-	-
Accrued Interest Receivable	20.3	15.86	15.13	13.17	11.05
Other Real Estate Owned & Foreclosed	0.21	0.43	1.47	4.33	3.62
Other Long-Term Assets	117.44	92.84	90.11	89.87	82.29
Total Assets	4,768	3,594	3,503	3,427	3,106
Interest Bearing Deposits	2,865	1,681	1,732	1,663	1,533
Institutional Deposits	-	519.83	486.9	391.63	137.87
Non-Interest Bearing Deposits	780.83	536.28	512.05	611.99	592.44
Total Deposits	3,646	2,737	2,731	2,667	2,263
Short-Term Borrowings	-	0.24	0.48	0.78	0.05
Current Portion of Leases	-	1.72	-	-	-
Accrued Interest Payable	10.73	3.5	4.13	2.74	0.2
Long-Term Debt	-	-	-	0.39	0.46
Federal Home Loan Bank Debt, Long-Term	510	375	325	375	500
Long-Term Leases	15.31	6.22	8.65	8.89	9.86
Other Long-Term Liabilities	42	49.21	52.11	23.19	42.35
Total Liabilities	4,224	3,173	3,121	3,078	2,816
Common Stock	1.16	0.25	0.25	0.25	0.26
Additional Paid-In Capital	138.68	49.22	45.7	45.3	51.56
Retained Earnings	402.86	358.7	315.36	285.83	238.58
Comprehensive Income & Other	1.67	13.18	20.21	18.04	-0.17
Shareholders' Equity	544.36	421.35	381.52	349.42	290.22
Total Liabilities & Equity	4,768	3,594	3,503	3,427	3,106
Total Debt	525.31	383.18	334.13	385.06	510.37
Net Cash (Debt)	-135.29	-111.52	-157.54	-176.74	-68.52
Net Cash Per Share	-5.20	-4.36	-6.17	-6.88	-2.66
Filing Date Shares Outstanding	28.82	25.4	25.21	25.14	25.47
Total Common Shares Outstanding	28.82	25.4	25.21	25.17	25.47
Book Value Per Share	18.89	16.59	15.14	13.88	11.40
Tangible Book Value	475.68	421.35	381.52	349.42	290.22
Tangible Book Value Per Share	16.51	16.59	15.14	13.88	11.40

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

SEC Filings: 10-K · 10-Q