MetroCity Bank/$MCBS

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About MetroCity Bank

MetroCity Bankshares Inc is a bank holding company. Through its banking subsidiary, it operates as a full-service commercial bank focused on delivering various financial products and services to the small-to medium-sized businesses and individuals in its markets, including many customers in diverse and multi-ethnic communities in metropolitan markets in the Eastern U.S., Texas and California. The company 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 majority of its revenue is generated in the form of interest income.
Ticker
$MCBS
Sector
Finance
Primary listing
NASDAQ
Employees
317
Headquarters
Doraville, United States
Website
www.metrocitybank.bank

MetroCity Bank Metrics

BasicAdvanced
$1B
12.11
$2.89
0.68
$1.08
3.32%

Bulls say / Bears say

Profitability is improving materially: second-quarter net income rose 31.5% year on year and first-half net income rose 34.2%. Net interest margin reached 4.11%, up from 3.77% a year earlier, supporting stronger earnings from the core banking operation. (PR Newswire)
The First IC acquisition has expanded MetroCity’s platform, adding more than $1 billion of loans, about $920 million of deposits and a larger branch network. If integration delivers the expected product and operating synergies, the enlarged franchise could support further revenue growth beyond the initial consolidation benefit. (PR Newswire, MetroCity Bankshares)
Credit and capital metrics remain supportive of shareholder returns. Second-quarter non-performing assets were only 0.41% of total assets, allowance coverage was 148% of non-performing loans, and the common equity tier 1 ratio was 18.63%; the company also declared a quarterly dividend of $0.29 per share. (StockTitan, PR Newswire)
Organic momentum weakened in the second quarter: loans fell 1.1% and deposits 3.8% from March, while average earning assets also declined. That raises the risk that recent growth is mainly acquisition-led rather than repeatable. (PR Newswire)
The year-on-year earnings jump relies heavily on the First IC acquisition, while merger-related costs and other non-interest expenses rose sharply. Lower SBA servicing income also helped push second-quarter profit 0.8% below the first quarter, showing that earnings are not entirely steady. (PR Newswire, Quartr)
The shares appear fully valued after a strong run. Recent analysis put MCBS on about 13.2 times earnings, above banking peers, while another review described the stock as trading at nearly twice tangible book value; any disappointment in growth or margins could therefore bring a sharper re-rating. (Longbridge, Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.

Funds containing MetroCity Bank

AllEURUSDGBP
Funds
Fund name
Fund size
$MCBS weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.02%
iShares MSCI World Small Cap$WSML
$9B0.01%
iShares MSCI World Small Cap€IUSN
€7.8B0.01%
iShares MSCI World Small Cap£WLDS
£6.7B0.01%
SPDR MSCI All Country World IM€SPYI
€7.5B0.00%
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