MCBS: the balance sheet

MyFinsight

For the year ending 2025-12-31, MCBS has $4,768,400K in assets. $4,224,216K in debts. $383,676K in cash and cash equivalents.

Balance Sheets	2025-12-31
Cash and due from banks	370,832
Federal funds sold	12,844
Cash and cash equivalents	383,676
Equity securities	18,646
Securities available for sale (at fair value)	47,179
Loans held for sale	9,741
Construction And Development	41,796
Commercial Real Estate	1,560,728
Commercial And Industrial	96,360
Residential Real Estate	2,378,311
Consumer And Other Financing Receivables	627
Total loans receivable	4,077,822
Unearned income	6,621
Loan discounts	-19,804
Allowance for loan losses	27,843
Loans, less allowance for credit losses of 27,843 and 18,744, respectively	4,023,554
Accrued interest receivable	20,298
Federal home loan bank stock	27,565
Premises and equipment, net	29,879
Operating lease right-of-use asset	15,193
Foreclosed real estate, net	208
Sba and usda servicing asset, net	10,601
Mortgage servicing asset, net	1,660
Bank owned life insurance	75,786
Goodwill	56,048
Core deposit intangible	12,627
Interest rate derivatives	6,343
Other assets	29,396
Total assets	4,768,400

Noninterest-bearing demand	780,828
Interest-bearing	2,865,173
Total deposits	3,646,001
Federal home loan bank advances	510,000
Operating lease liability	15,306
Accrued interest payable	10,731
Other liabilities	42,178
Total liabilities	4,224,216
Common stock, 0.01 par value, 40,000,000 shares authorized, 28,817,967 and 25,402,782 shares issued and outstanding, respectively	1,159
Additional paid-in capital	138,675
Retained earnings	402,684
Accumulated other comprehensive income	1,666
Total shareholders' equity	544,184
Total liabilities and shareholders' equity	4,768,400

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