Financial insights of MCBS

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Revenue from contract with customer-Deposit Account	2,328	-
Revenue from contract with customer-Other Service Charges Commissions And Fees	7,340	-
Gain on sale of residential mortgage loans	3,952	1,914
Mortgage servicing income, net	2,419	2,448
Gain on sale of sba loans	2,322	2,945
Revenue from contract with customer	-	8,921
Sba servicing income, net	3,558	4,243
Other income	3,265	2,592
Total noninterest income	25,184	23,063
Loans, including fees	209,499	200,770
Other investment income	10,770	11,838
Federal funds sold	559	305
Total interest income	220,828	212,913
Deposits	72,895	80,060
Fhlb advances and other borrowings	17,484	14,707
Total interest expense	90,379	94,767
Net interest income	130,449	118,146
Provision for loan losses	-336	-
Provision for unfunded commitments	18	-
Provision for credit losses	-318	516
Net interest income after provision for credit losses	130,767	117,630
Salaries and employee benefits	36,674	33,207
Occupancy and equipment	5,788	5,524
Data processing	1,534	1,293
Advertising	657	634
Merger-related expenses	4,729	-
Other expenses	13,875	12,721
Total noninterest expense	63,257	53,379
Income before provision for income taxes	92,694	87,314
Provision for income taxes	24,162	22,810
Net income	68,532	64,504

Basic EPS	2.66	2.55
Diluted EPS	2.64	2.52
Basic Average Shares	25,733,733	25,283,345
Diluted Average Shares	26,005,582	25,582,121