| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 373,956 | 370,832 | 213,941 | 273,596 |
| Federal funds sold | 13,645 | 12,844 | 13,217 | 12,415 |
| Cash and cash equivalents | 387,601 | 383,676 | 227,158 | 286,011 |
| Equity securities | 18,564 | 18,646 | 18,605 | 18,481 |
| Securities available for sale | 26,616 | 47,179 | 15,365 | 15,030 |
| Loans held for sale | NaN | 9,741 | 231,259 | 4,988 |
| Construction And Development | 52,452 | 41,796 | 32,415 | NaN |
| Commercial Real Estate | 1,492,703 | 1,560,728 | 814,464 | NaN |
| Commercial And Industrial | 91,877 | 96,360 | 69,430 | NaN |
| Residential Real Estate | 2,392,444 | 2,378,311 | 2,057,281 | NaN |
| Consumer And Other Financing Receivables | 643 | 627 | 325 | NaN |
| Total loans receivable | 4,030,119 | 4,077,822 | 2,973,915 | NaN |
| Unearned income | 10,093 | 6,621 | 7,056 | NaN |
| Loan discounts | -18,912 | -19,804 | NaN | NaN |
| Allowance for credit losses | 26,700 | 27,843 | 17,940 | NaN |
| Loans, less allowance for credit losses of 26,700 and 27,843, respectively | 3,974,414 | 4,023,554 | 2,948,919 | 3,102,786 |
| Accrued interest receivable | 20,299 | 20,298 | 16,912 | 16,528 |
| Federal home loan bank stock | 23,487 | 27,565 | 22,693 | 22,693 |
| Premises and equipment, net | 29,633 | 29,879 | 17,836 | 17,872 |
| Operating lease right-of-use asset | 14,412 | 15,193 | 7,712 | 8,197 |
| Foreclosed real estate, net | 1,147 | 208 | 919 | 744 |
| Sba and usda servicing asset | 11,267 | 10,601 | 6,988 | 6,823 |
| Mortgage servicing asset, net | 1,484 | 1,660 | 1,662 | 1,676 |
| Bank owned life insurance | 76,424 | 75,786 | 75,148 | 74,520 |
| Goodwill | 56,048 | 56,048 | NaN | NaN |
| Core deposit intangible | 12,309 | 12,627 | NaN | NaN |
| Interest rate derivatives | 4,970 | 6,343 | 9,435 | 12,656 |
| Other assets | 29,672 | 29,396 | 28,852 | 26,683 |
| Total assets | 4,688,347 | 4,768,400 | 3,629,463 | 3,615,688 |
| Non-interest-bearing demand | 799,190 | 780,828 | 544,439 | 548,906 |
| Interest-bearing | 2,827,484 | 2,865,173 | 2,148,645 | 2,140,587 |
| Total deposits | 3,626,674 | 3,646,001 | 2,693,084 | 2,689,493 |
| Federal home loan bank advances | 425,000 | 510,000 | 425,000 | 425,000 |
| Operating lease liability | 14,516 | 15,306 | 7,704 | 8,222 |
| Accrued interest payable | 10,200 | 10,731 | 3,567 | 3,438 |
| Other liabilities | 57,801 | 42,178 | 54,220 | 53,435 |
| Total liabilities | 4,134,191 | 4,224,216 | 3,183,575 | 3,179,588 |
| Common stock, 0.01 par value, 40,000,000 shares authorized, 28,660,042 and 28,817,967 shares issued and outstanding as of march 31, 2026 and december 31, 2025, respectively | 286 | 1,159 | 255 | 255 |
| Additional paid-in capital | 135,531 | 138,675 | 51,151 | 50,212 |
| Retained earnings | 417,750 | 402,684 | 390,971 | 380,046 |
| Accumulated other comprehensive income | 589 | 1,666 | 3,511 | 5,587 |
| Total shareholders' equity | 554,156 | 544,184 | 445,888 | 436,100 |
| Total liabilities and shareholders' equity | 4,688,347 | 4,768,400 | 3,629,463 | 3,615,688 |
MetroCity Bankshares, Inc. (MCBS)
MetroCity Bankshares, Inc. (MCBS)