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 Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 50,975 | 50,936 | 50,253 | 49,954 |
| Other investment income | 2,884 | 2,970 | 2,126 | 2,437 |
| Federal funds sold | 144 | 143 | 140 | 96 |
| Total interest income | 54,003 | 54,049 | 52,519 | 52,486 |
| Deposits | 17,799 | 17,496 | 17,977 | 20,153 |
| Fhlb advances and other borrowings | 4,412 | 4,375 | 3,988 | 3,552 |
| Total interest expense | 22,211 | 21,871 | 21,965 | 23,741 |
| Net interest income | 31,792 | 32,178 | 30,554 | 28,573 |
| Provision for loan losses | -581 | 216 | 17 | - |
| Provision for unfunded commitments | 38 | -87 | 118 | - |
| Provision for credit losses | -543 | 129 | 135 | 31 |
| Net interest income after provision for credit losses | 32,335 | 32,049 | 30,419 | 28,542 |
| 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 | 106 |
| Mortgage servicing income, net | 516 | 781 | 618 | 770 |
| Gain on sale of sba loans | 558 | 643 | 658 | 621 |
| Revenue from contract with customer | - | - | 2,096 | 2,185 |
| Sba servicing income, net | 1,203 | 642 | 913 | 1,226 |
| Other income | 808 | 963 | 772 | 538 |
| Total noninterest income | 6,178 | 5,733 | 5,456 | 5,445 |
| Salaries and employee benefits | 8,953 | 8,554 | 8,493 | 8,324 |
| Occupancy and equipment | 1,410 | 1,380 | 1,417 | 1,380 |
| Data processing | 394 | 329 | 345 | 315 |
| Advertising | 161 | 149 | 167 | 166 |
| Other expenses | 3,756 | 3,701 | 3,377 | 3,160 |
| Total noninterest expense | 14,674 | 14,113 | 13,799 | 13,344 |
| Income before provision for income taxes | 23,839 | 23,669 | 22,076 | 20,643 |
| Provision for income taxes | 6,569 | 6,843 | 5,779 | 5,210 |
| Net income available to common shareholders | 17,270 | 16,826 | 16,297 | 15,433 |
| Earnings per share, basic | 0.68 | 0.66 | 0.64 | 0.61 |
| Earnings per share, diluted | 0.67 | 0.65 | 0.63 | 0.605 |
| Weighted average number of shares outstanding, basic | 25,537,746 | 25,445,024 | 25,402,782 | -12,647,206.5 |
| Weighted average number of shares outstanding, diluted | 25,811,422 | 25,715,206 | 25,707,989 | -12,830,635 |
MetroCity Bankshares, Inc. (MCBS)
MetroCity Bankshares, Inc. (MCBS)