Financial insights of MCB

MyFinsight

For the quarter ending 2025-09-30, MCB made $235,010K in revenue. $7,119K in net income. Net profit margin of 3.03%.

Income Overview

Revenue
$235,010K
Net Income
$7,119K
Net Profit Margin
3.03%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans, including fees	123,521	118,774	110,865	111,286
Securities	6,047	5,775	5,397	5,434
Overnight deposits	1,995	2,078	1,925	3,223
Other interest and dividends	437	416	583	511
Total interest income	132,000	127,043	118,770	120,454
Deposits	51,177	49,823	47,178	51,737
Borrowed funds	3,179	3,247	4,316	3,105
Trust preferred securities	333	326	324	379
Total interest expense	54,689	53,396	51,818	55,221
Net interest income	77,311	73,647	66,952	65,233
Provision for credit losses	23,862	6,378	4,506	2,691
Net interest income after provision for credit losses	53,449	67,269	62,446	62,542
Non-interest income	-	-	2,173	-
Non-interest income-Deposit Account	2,047	2,131	-	-
Other income	480	492	1,465	-
Total non-interest income	2,527	2,623	3,638	6,285
Compensation and benefits	21,674	20,255	21,739	19,885
Bank premises and equipment	2,664	2,513	2,463	2,471
Professional fees	3,506	3,583	4,986	4,745
Technology costs	5,297	3,653	2,220	2,969
The amount of regulatory settlement reserve expense incurred during reporting period	-	-	-	10,000
Licensing fees	4,354	3,462	2,474	3,411
Fdic assessments	1,972	2,999	2,967	2,950
Other expenses	6,327	6,644	5,873	4,826
Total non-interest expense	45,794	43,109	42,722	51,257
Net income before income tax expense	10,182	26,783	23,362	17,570
Income tax expense	3,063	8,016	7,008	5,304
Net income	7,119	18,767	16,354	12,266

Earnings per share, basic	0.68	1.78	1.46	1.1
Earnings per share, diluted	0.67	1.76	1.45	1.08
Weighted average number of shares outstanding, basic	10,398,255	10,564,275	11,215,118	11,193,063
Weighted average number of shares outstanding, diluted	10,587,402	10,676,878	11,281,375	11,312,773

MyFinsight

Income Overview

Revenue
$235,010K
Net Income
$7,119K
Net Profit Margin
3.03%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$235,010K
Net Income
$7,119K
Net Profit Margin
3.03%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$235,010KNet Income$7,119KNet Profit Margin3.03%EPS$0.67Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsCompensation and benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$235,010KNet Income$7,119KNet Profit Margin3.03%EPS$0.67Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsCompensation and benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$235,010K
Net Income
$7,119K
Net Profit Margin
3.03%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others

Revenue
$235,010K
Net Income
$7,119K
Net Profit Margin
3.03%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Compensation and benefits
Others