MetroCity Bankshares, Inc. (MCBS)
NASDAQ: MCBS · Real-Time Price · USD
36.38
+0.64 (1.79%)
At close: Oct 26, 2026, 4:00 PM EDT
36.44
+0.06 (0.16%)
After-hours: Oct 26, 2026, 7:30 PM EDT
MetroCity Bankshares Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 317.01 | 383.68 | 249.88 | 144.81 | 179.49 | 441.34 |
Investment Securities | 40.88 | 41.33 | 21.3 | 21.75 | 21.76 | 26.7 |
Trading Asset Securities | 4.26 | 6.34 | 21.79 | 31.78 | 28.83 | 0.51 |
Mortgage-Backed Securities | - | 24.49 | 6.39 | 7.07 | 7.78 | 10.42 |
Total Investments | 45.14 | 72.17 | 49.48 | 60.61 | 58.37 | 37.63 |
Gross Loans | 3,963 | 4,078 | 3,165 | 3,151 | 3,065 | 2,512 |
Allowance for Loan Losses | -25.75 | -27.84 | -18.74 | -18.11 | -13.89 | -16.95 |
Other Adjustments to Gross Loans | -9.21 | -26.43 | -7.38 | -8.86 | -9.64 | -6.44 |
Net Loans | 3,928 | 4,024 | 3,139 | 3,124 | 3,042 | 2,488 |
Property, Plant & Equipment | 39.36 | 45.07 | 26.13 | 26.6 | 22.72 | 22.41 |
Goodwill | 56.05 | 56.05 | - | - | - | - |
Other Intangible Assets | 11.67 | 12.63 | - | - | - | - |
Loans Held for Sale | - | 9.74 | - | 22.27 | - | - |
Accrued Interest Receivable | 20.39 | 20.3 | 15.86 | 15.13 | 13.17 | 11.05 |
Other Receivables | - | 19.9 | - | - | - | - |
Other Real Estate Owned & Foreclosed | 4.51 | 0.21 | 0.43 | 1.47 | 4.33 | 3.62 |
Other Long-Term Assets | 154.44 | 97.54 | 92.84 | 90.11 | 89.87 | 82.29 |
Total Assets | 4,598 | 4,768 | 3,594 | 3,503 | 3,427 | 3,106 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 Bearing Deposits | 2,734 | 2,068 | 1,681 | 1,732 | 1,663 | 1,533 |
Institutional Deposits | - | 797.22 | 519.83 | 486.9 | 391.63 | 137.87 |
Non-Interest Bearing Deposits | 828.28 | 780.83 | 536.28 | 512.05 | 611.99 | 592.44 |
Total Deposits | 3,562 | 3,646 | 2,737 | 2,731 | 2,667 | 2,263 |
Short-Term Borrowings | - | 0.45 | 0.24 | 0.48 | 0.78 | 0.05 |
Current Portion of Leases | - | 3.69 | - | - | - | - |
Accrued Interest Payable | 5.8 | 10.73 | 3.5 | 4.13 | 2.74 | 0.2 |
Long-Term Debt | - | - | - | - | 0.39 | 0.46 |
Federal Home Loan Bank Debt, Long-Term | 375 | 510 | 375 | 325 | 375 | 500 |
Long-Term Leases | 13.35 | 11.61 | 7.94 | 8.65 | 8.89 | 9.86 |
Other Long-Term Liabilities | 57.71 | 41.73 | 49.21 | 52.11 | 23.19 | 42.35 |
Total Liabilities | 4,014 | 4,224 | 3,173 | 3,121 | 3,078 | 2,816 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Common Stock | 0.29 | 1.16 | 0.25 | 0.25 | 0.25 | 0.26 |
Additional Paid-In Capital | 137.05 | 138.68 | 49.22 | 45.7 | 45.3 | 51.56 |
Retained Earnings | 447.43 | 402.68 | 358.7 | 315.36 | 285.83 | 238.58 |
Comprehensive Income & Other | -0.84 | 1.67 | 13.18 | 20.21 | 18.04 | -0.17 |
Shareholders' Equity | 583.93 | 544.18 | 421.35 | 381.52 | 349.42 | 290.22 |
Total Liabilities & Equity | 4,598 | 4,768 | 3,594 | 3,503 | 3,427 | 3,106 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | 388.35 | 525.76 | 383.18 | 334.13 | 385.06 | 510.37 |
Net Cash (Debt) | -67.07 | -135.74 | -111.52 | -157.54 | -176.74 | -68.52 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -2.36 | -5.22 | -4.36 | -6.17 | -6.88 | -2.66 |
Filing Date Shares Outstanding | 28.78 | 28.76 | 25.4 | 25.21 | 25.14 | 25.47 |
Total Common Shares Outstanding | 28.78 | 28.82 | 25.4 | 25.21 | 25.17 | 25.47 |
Book Value Per Share | 20.29 | 18.88 | 16.59 | 15.14 | 13.88 | 11.40 |
Tangible Book Value | 516.21 | 475.51 | 421.35 | 381.52 | 349.42 | 290.22 |
Tangible Book Value Per Share | 17.94 | 16.50 | 16.59 | 15.14 | 13.88 | 11.40 |