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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 Income on Loans | 258.37 | 209.5 | 200.77 | 181.88 | 142.82 | 107.85 |
Interest Income on Investments | 13.01 | 11.33 | 12.14 | 10.94 | 4.41 | 0.89 |
Total Interest Income | 271.38 | 220.83 | 212.91 | 192.83 | 147.22 | 108.74 |
Interest Paid on Deposits | 86.07 | 72.9 | 80.06 | 80.61 | 23.56 | 3.95 |
Interest Paid on Borrowings | 17.3 | 17.48 | 14.71 | 10.74 | 4.05 | 0.62 |
Total Interest Expense | 103.37 | 90.38 | 94.77 | 91.35 | 27.61 | 4.57 |
Net Interest Income | 168.01 | 130.45 | 118.15 | 101.48 | 119.61 | 104.17 |
Net Interest Income Growth | 34.86% | 10.41% | 16.42% | -15.16% | 14.82% | 57.55% |
Mortgage Banking Activities | 1.3 | 2.4 | 2.47 | -0.19 | -0.72 | -1.04 |
Gain (Loss) on Sale of Investments | -0.35 | -0.35 | 0.04 | -0.04 | 1.1 | - |
Other Non-Interest Income | 13.28 | 14.51 | 13.65 | 13.22 | 11.5 | 21.61 |
Total Non-Interest Income | 24.29 | 25.16 | 23.08 | 18.2 | 17.96 | 33.21 |
Non-Interest Income Growth | 6.98% | 9.01% | 26.80% | 1.39% | -45.94% | 22.05% |
Revenues Before Loan Losses | 192.3 | 155.61 | 141.23 | 119.68 | 137.57 | 137.38 |
Provision for Loan Losses | -1.72 | -0.32 | 0.52 | -0.02 | -2.77 | 6.93 |
| 194.02 | 155.93 | 140.71 | 119.7 | 140.33 | 130.45 | |
Revenue Growth | 31.66% | 10.81% | 17.56% | -14.70% | 7.58% | 45.16% |
Salaries and Employee Benefits | 42.36 | 33.77 | 30.58 | 26.88 | 28.57 | 28.69 |
Occupancy Expenses | 6.34 | 3.36 | 3.14 | 2.72 | 2.7 | 2.68 |
Selling, General & Administrative | 8.54 | 7.53 | 6.94 | 6.43 | 5.79 | 5.41 |
Other Non-Interest Expense | 18.72 | 13.88 | 12.72 | 11.69 | 12.22 | 11.53 |
Total Non-Interest Expense | 75.97 | 58.53 | 53.38 | 47.73 | 49.28 | 48.31 |
EBT Excluding Unusual Items | 118.05 | 97.4 | 87.33 | 71.97 | 91.05 | 82.14 |
Asset Writedown | 0.02 | 0.02 | -0.02 | - | 0.16 | 0.48 |
Pretax Income | 111.93 | 92.69 | 87.31 | 71.97 | 91.22 | 82.62 |
Income Tax Expense | 25.05 | 24.16 | 22.81 | 20.36 | 28.62 | 20.92 |
Net Income | 86.88 | 68.53 | 64.5 | 51.61 | 62.6 | 61.7 |
Net Income to Common | 86.88 | 68.53 | 64.5 | 51.61 | 62.6 | 61.7 |
Net Income Growth | 30.40% | 6.25% | 24.98% | -17.55% | 1.46% | 69.54% |
Basic Shares Outstanding | 28 | 26 | 25 | 25 | 25 | 26 |
Diluted Shares Outstanding | 28 | 26 | 26 | 26 | 26 | 26 |
Shares Change | 10.77% | 1.65% | 0.25% | -0.66% | -0.39% | -0.04% |
EPS (Basic) | 3.08 | 2.66 | 2.55 | 2.05 | 2.46 | 2.41 |
EPS (Diluted) | 3.06 | 2.64 | 2.52 | 2.02 | 2.44 | 2.39 |
EPS Growth | 17.97% | 4.76% | 24.75% | -17.21% | 2.09% | 69.50% |
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 |
Dividend Per Share | 1.120 | 0.960 | 0.830 | 0.720 | 0.600 | 0.460 |
Dividend Growth | 19.15% | 15.66% | 15.28% | 20.00% | 30.44% | 15.00% |
Effective Tax Rate | 22.38% | 26.07% | 26.12% | 28.29% | 31.37% | 25.32% |