MetroCity Bank/$MCBS

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About MetroCity Bank

MetroCity Bankshares Inc is a holding company of its subsidiary Metro City Bank. It provides commercial banking services such as consumer and commercial checking accounts, savings accounts, certificates of deposits, commercial and consumer loans, money transfers and a variety of other banking services. The banks generate revenue from interest income. Its customers include small business owners, professionals, consumers, and real estate developers.

Ticker

$MCBS
Sector
Primary listing

Employees

240

MetroCity Bank Metrics

BasicAdvanced
$703M
10.71
$2.57
0.65
$0.94
3.63%

Bulls say / Bears say

The merger with First IC Corporation is expected to create a combined institution with about $4.8 billion in total assets, $3.7 billion in deposits, and $4.1 billion in loans, resulting in approximately 26% EPS accretion in the first full year after close.
MetroCity Bankshares surpassed all regulatory capital standards and was deemed “well-capitalized” by the FDIC as of June 30, 2025, ensuring a robust capital position to support growth plans.
The efficiency ratio improved to 37.2% in Q2 2025 from 38.3% in Q1 2025, demonstrating strong expense control during a period of investment.
Total deposits fell 1.7% quarter-over-quarter to $2.69 billion in Q2 2025, narrowing the funding base and possibly increasing dependency on more expensive borrowing sources.
The provision for credit losses rose to $257,000 in Q2 2025, up from $202,000 in Q4 2024, indicating higher credit risk in the loan book.
Noninterest expense rose by 8.3% year-over-year to $14.1 million in Q2 2025, driven by higher salaries, occupancy costs, and merger-related charges, which may squeeze net margins.
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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