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Balance Sheets Overview

Debt to Asset Ratio
87.44%
Unit: Thousand (K) dollars
Assets Breakdown
    • Residential Real Estate
    • Commercial Real Estate
    • Cash and due from banks
    • Others
Liabilities Breakdown
    • Interest-bearing
    • Non-interest-bearing demand
    • Retained earnings
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
254,368
373,956
370,832
213,941
Federal funds sold
12,322
13,645
12,844
13,217
Cash and cash equivalents
266,690
387,601
383,676
227,158
Equity securities
18,481
18,564
18,646
18,605
Securities available for sale
26,183
26,616
47,179
15,365
Loans held for sale
1,350
-
9,741
231,259
Construction And Development
69,348
52,452
41,796
32,415
Commercial Real Estate
1,463,460
1,492,703
1,560,728
814,464
Commercial And Industrial
84,999
91,877
96,360
69,430
Residential Real Estate
2,365,132
2,392,444
2,378,311
2,057,281
Consumer And Other Financing Receivables
600
643
627
325
Total loans receivable
3,983,539
4,030,119
4,077,822
2,973,915
Unearned income
9,660
10,093
6,621
7,056
Loan discounts
-17,560
-18,912
-19,804
-
Allowance for credit losses
25,818
26,700
27,843
17,940
Loans, less allowance for credit losses of 25,818 and 27,843, respectively
3,930,501
3,974,414
4,023,554
2,948,919
Accrued interest receivable
20,115
20,299
20,298
16,912
Federal home loan bank stock
21,112
23,487
27,565
22,693
Premises and equipment, net
29,619
29,633
29,879
17,836
Operating lease right-of-use asset
14,040
14,412
15,193
7,712
Foreclosed real estate, net
1,300
1,147
208
919
Sba and usda servicing asset
11,180
11,267
10,601
6,988
Mortgage servicing asset, net
1,308
1,484
1,660
1,662
Bank owned life insurance
77,066
76,424
75,786
75,148
Goodwill
56,048
56,048
56,048
-
Core deposit intangibles
11,991
12,309
12,627
-
Interest rate derivatives
4,791
4,970
6,343
9,435
Other assets
28,179
29,672
29,396
28,852
Total assets
4,519,954
4,688,347
4,768,400
3,629,463
Non-interest-bearing demand
782,972
799,190
780,828
544,439
Interest-bearing
2,706,385
2,827,484
2,865,173
2,148,645
Total deposits
3,489,357
3,626,674
3,646,001
2,693,084
Federal home loan bank advances
375,000
425,000
510,000
425,000
Operating lease liability
14,131
14,516
15,306
7,704
Accrued interest payable
7,537
10,200
10,731
3,567
Other liabilities
66,075
57,801
42,178
54,220
Total liabilities
3,952,100
4,134,191
4,224,216
3,183,575
Common stock, 0.01 par value, 40,000,000 shares authorized, 28,781,229 and 28,817,967 shares issued and outstanding as of june 30, 2026 and december 31, 2025, respectively
288
286
1,159
255
Additional paid-in capital
136,123
135,531
138,675
51,151
Retained earnings
431,518
417,750
402,684
390,971
Accumulated other comprehensive (loss) income
-75
589
1,666
3,511
Total shareholders' equity
567,854
554,156
544,184
445,888
Total liabilities and shareholders' equity
4,519,954
4,688,347
4,768,400
3,629,463
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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

Balance Sheets

Residential Real Estate$2,365,132K (6.47%↑ Y/Y)Commercial Real Estate$1,463,460K (82.16%↑ Y/Y)Commercial And Industrial$84,999K (15.12%↑ Y/Y)Construction And Development$69,348K (130.02%↑ Y/Y)Consumer And OtherFinancing Receivables$600K (200.00%↑ Y/Y)Total loansreceivable$3,983,539K (27.32%↑ Y/Y)Cash and due frombanks$254,368K (-7.03%↓ Y/Y)Federal funds sold$12,322K (-0.75%↓ Y/Y)Loans, less allowancefor credit losses of...$3,930,501K (26.68%↑ Y/Y)Cash and cashequivalents$266,690K (-6.76%↓ Y/Y)Bank owned lifeinsurance$77,066K (3.42%↑ Y/Y)Goodwill$56,048K Premises and equipment,net$29,619K (65.73%↑ Y/Y)Other assets$28,179K (5.61%↑ Y/Y)Securities available forsale$26,183K (74.20%↑ Y/Y)Federal home loan bankstock$21,112K (-6.97%↓ Y/Y)Accrued interestreceivable$20,115K (21.70%↑ Y/Y)Equity securities$18,481K (0.00%↑ Y/Y)Operating leaseright-of-use asset$14,040K (71.28%↑ Y/Y)Core depositintangibles$11,991K Sba and usdaservicing asset$11,180K (63.86%↑ Y/Y)Interest ratederivatives$4,791K (-62.14%↓ Y/Y)Loans held for sale$1,350K (-72.94%↓ Y/Y)Mortgage servicingasset, net$1,308K (-21.96%↓ Y/Y)Foreclosed real estate, net$1,300K (74.73%↑ Y/Y)Allowance for creditlosses$25,818K (237.71%↑ Y/Y)Loan discounts-$17,560K Unearned income$9,660K (31.48%↑ Y/Y)Total assets$4,519,954K (25.01%↑ Y/Y)Total liabilities andshareholders' equity$4,519,954K (25.01%↑ Y/Y)Total liabilities$3,952,100K (24.30%↑ Y/Y)Total shareholders'equity$567,854K (30.21%↑ Y/Y)Accumulated othercomprehensive (loss) income-$75K (-101.34%↓ Y/Y)Total deposits$3,489,357K (29.74%↑ Y/Y)Federal home loan bankadvances$375,000K (-11.76%↓ Y/Y)Other liabilities$66,075K (23.65%↑ Y/Y)Operating lease liability$14,131K (71.87%↑ Y/Y)Accrued interestpayable$7,537K (119.23%↑ Y/Y)Retained earnings$431,518K (13.54%↑ Y/Y)Additional paid-in capital$136,123K (171.10%↑ Y/Y)Common stock, 0.01 parvalue, 40,000,000...$288K (12.94%↑ Y/Y)Interest-bearing$2,706,385K (26.43%↑ Y/Y)Non-interest-bearing demand$782,972K (42.64%↑ Y/Y)

MetroCity Bankshares, Inc. (MCBS)

MetroCity Bankshares, Inc. (MCBS)