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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$958K
Net Income
$22,131K
Net Profit Margin
2310.13%
EPS
$0.76
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Revenue from contract with customer-Deposit Account
958
848
744*
551
Revenue from contract with customer-Other Service Charges Commissions And Fees
1,428
1,581
1,776*
2,376
Gain on sale of residential mortgage loans
-
-
2,808
166
Mortgage servicing income, net
271
306
504
516
Gain on sale of sba loans
1,536
1,045
463
558
Sba servicing income, net
728
1,905
800
1,203
Other income
834
672
722
808
Total noninterest income
5,755
6,357
7,817
6,178
Loans, including fees
67,312
67,139
57,335
50,975
Other investment income
2,972
3,730
2,790
2,884
Federal funds sold
121
121
132
144
Total interest income
70,405
70,990
60,257
54,003
Deposits
22,140
22,077
19,623
17,799
Fhlb advances and other borrowings
4,224
4,426
4,709
4,412
Total interest expense
26,364
26,503
24,332
22,211
Net interest income
44,041
44,487
35,925
31,792
Provision for loan gaines
-981
-869
12
-581
Provision for unfunded commitments
189
56
-51
38
Provision for credit losses
-792
-813
-39
-543
Net interest income after provision for credit losses
44,833
45,300
35,964
32,335
Salaries and employee benefits
11,344
11,501
10,674
8,953
Occupancy and equipment
2,328
2,434
1,581
1,410
Data processing
535
682
466
394
Advertising
178
223
180
161
Merger-related expenses
270
1,676
4,729
-
Other expenses
5,302
4,922
3,041
3,756
Total noninterest expense
19,957
21,438
20,671
14,674
Income before provision for income taxes
30,631
30,219
23,110
23,839
Provision for income taxes
8,500
7,905
4,971
6,569
Net income available to common shareholders
22,131
22,314
18,139
17,270
Basic EPS
0.77
0.78
0.683
0.68
Diluted EPS
0.76
0.77
0.677
0.67
Basic Average Shares
28,698,662
28,779,534
26,549,380
25,537,746
Diluted Average Shares
28,949,200
29,051,061
26,787,711
25,811,422
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$67,312K
(32.15%↑ Y/Y)
Other investment
income
$2,972K
(0.07%↑ Y/Y)
Federal funds sold
$121K
(-15.38%↓ Y/Y)
Total interest income
$70,405K
(30.26%↑ Y/Y)
Provision for loan gaines
-$981K
(-554.17%↓ Y/Y)
Net interest income
$44,041K
(36.87%↑ Y/Y)
Provision for credit
losses
-$792K
(-713.95%↓ Y/Y)
Gain on sale of sba
loans
$1,536K
(138.88%↑ Y/Y)
Revenue from contract
with customer-Other...
$1,428K
(-11.85%↓ Y/Y)
Revenue from contract
with...
$958K
(89.70%↑ Y/Y)
Other income
$834K
(-13.40%↓ Y/Y)
Sba servicing
income, net
$728K
(13.40%↑ Y/Y)
Mortgage servicing
income, net
$271K
(-65.30%↓ Y/Y)
Total interest
expense
$26,364K
(20.54%↑ Y/Y)
Provision for unfunded
commitments
$189K
(317.24%↑ Y/Y)
Net interest income
after provision for...
$44,833K
(39.89%↑ Y/Y)
Total noninterest
income
$5,755K
(0.38%↑ Y/Y)
Deposits
$22,140K
(26.54%↑ Y/Y)
Fhlb advances and
other borrowings
$4,224K
(-3.45%↓ Y/Y)
Income before
provision for income taxes
$30,631K
(29.41%↑ Y/Y)
Total noninterest
expense
$19,957K
(41.41%↑ Y/Y)
Net income
available to common...
$22,131K
(31.53%↑ Y/Y)
Provision for income taxes
$8,500K
(24.21%↑ Y/Y)
Salaries and employee
benefits
$11,344K
(32.62%↑ Y/Y)
Other expenses
$5,302K
(43.26%↑ Y/Y)
Occupancy and equipment
$2,328K
(68.70%↑ Y/Y)
Data processing
$535K
(62.61%↑ Y/Y)
Merger-related expenses
$270K
Advertising
$178K
(19.46%↑ Y/Y)
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MetroCity Bankshares, Inc. (MCBS)
MetroCity Bankshares, Inc. (MCBS)