Financial insights of MCB

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Non-interest income	2,274	2,037	2,047	2,131
Other income	307	1,046	480	492
Total non-interest income	2,581	3,083	2,527	2,623
Loans, including fees	122,594	127,337	123,521	118,774
Securities	6,690	6,382	6,047	5,775
Overnight deposits	5,329	3,349	1,995	2,078
Other interest and dividends	319	397	437	416
Total interest income	134,932	137,465	132,000	127,043
Deposits	48,730	50,632	51,177	49,823
Borrowed funds	-	1,197	3,179	3,247
Trust preferred securities	293	311	333	326
Total interest expense	49,023	52,140	54,689	53,396
Net interest income	85,909	85,325	77,311	73,647
Provision for credit losses	-2,300	2,846	23,862	6,378
Net interest income after provision for credit losses	88,209	82,479	53,449	67,269
Compensation and benefits	24,148	20,361	21,674	20,255
Bank premises and equipment	2,729	2,682	2,664	2,513
Professional fees	3,229	2,857	3,506	3,583
Technology costs	4,196	5,965	5,297	3,653
Licensing fees	-	-	4,354	3,462
Deposit related program fees	6,799	13,731	-	-
Fdic assessments	1,850	1,610	1,972	2,999
Other expenses	3,449	-2,826	6,327	6,644
Total non-interest expense	46,400	44,380	45,794	43,109
Net income before income tax expense	44,390	41,182	10,182	26,783
Income tax expense	12,964	12,324	3,063	8,016
Net income	31,426	28,858	7,119	18,767

Basic EPS	2.94	2.829	0.68	1.78
Diluted EPS	2.92	2.769	0.67	1.76
Basic Average Shares	10,674,698	10,200,776	10,398,255	10,564,275
Diluted Average Shares	10,755,411	10,421,025	10,587,402	10,676,878

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.