Financial insights of MCBS

MyFinsight

For the quarter ending 2025-09-30, MCBS made $97,104K in revenue. $17,270K in net income. Net profit margin of 17.79%.

Income Overview

Revenue
$97,104K
Net Income
$17,270K
Net Profit Margin
17.79%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee 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	50,975	50,936	50,253	50,336
Other investment income	2,884	2,970	2,126	3,417
Federal funds sold	144	143	140	80
Total interest income	54,003	54,049	52,519	53,833
Deposits	17,799	17,496	17,977	19,602
Fhlb advances and other borrowings	4,412	4,375	3,988	3,942
Total interest expense	22,211	21,871	21,965	23,544
Net interest income	31,792	32,178	30,554	30,289
Provision for loan losses	-581	216	17	653
Provision for unfunded commitments	38	-87	118	-71
Provision for credit losses	-543	129	135	582
Net interest income after provision for credit losses	32,335	32,049	30,419	29,707
Revenue from contract with customer-Deposit Account	551	505	-	-
Revenue from contract with customer-Other Service Charges Commissions And Fees	2,376	1,620	-	-
Gain on sale of residential mortgage loans	166	579	399	526
Mortgage servicing income, net	516	781	618	422
Gain on sale of sba loans	558	643	658	1,083
Revenue from contract with customer	-	-	2,096	2,446
Sba servicing income, net	1,203	642	913	1,231
Other income	808	963	772	907
Total noninterest income	6,178	5,733	5,456	6,615
Salaries and employee benefits	8,953	8,554	8,493	8,512
Occupancy and equipment	1,410	1,380	1,417	1,430
Data processing	394	329	345	311
Advertising	161	149	167	145
Other expenses	3,756	3,701	3,377	3,262
Total noninterest expense	14,674	14,113	13,799	13,660
Income before provision for income taxes	23,839	23,669	22,076	22,662
Provision for income taxes	6,569	6,843	5,779	5,961
Net income available to common shareholders	17,270	16,826	16,297	16,701

Earnings per share, basic	0.68	0.66	0.64	0.66
Earnings per share, diluted	0.67	0.65	0.63	0.65
Weighted average number of shares outstanding, basic	25,537,746	25,445,024	25,402,782	25,331,916
Weighted average number of shares outstanding, diluted	25,811,422	25,715,206	25,707,989	25,674,858

MyFinsight

Income Overview

Revenue
$97,104K
Net Income
$17,270K
Net Profit Margin
17.79%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$97,104K
Net Income
$17,270K
Net Profit Margin
17.79%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$97,104KNet Income$17,270KNet Profit Margin17.79%EPS$0.67Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$97,104KNet Income$17,270KNet Profit Margin17.79%EPS$0.67Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

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

Income Statement

Revenue
$97,104K
Net Income
$17,270K
Net Profit Margin
17.79%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Revenue
$97,104K
Net Income
$17,270K
Net Profit Margin
17.79%
EPS
$0.67
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others