MetroCity Bankshares, Inc. (MCBS)

Nasdaq: MCBS · State Commercial Banks · Doraville, GA · filing with the SEC since 2018

Grade5.9

◀ Past 6.4● Present 5.2▶ Future 6.2

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017
Report filed	Mar 16, 2026	Mar 10, 2025	Mar 11, 2024	Mar 10, 2023	Mar 11, 2022	Mar 15, 2021	Mar 19, 2020	·	·
For lenders
Interest and dividend income	220,828	212,913	192,827	147,220	108,741	77,609	83,213	72,879	60,514
Interest and investment income	10,770	11,838	10,767	4,330	885	1,429	3,294	2,169	1,190
Interest expense on deposits and borrowings	90,379	94,767	91,348	27,609	·	·	·	·	·
Net interest income	130,449	118,146	101,479	119,611	104,169	66,120	60,975	58,204	51,895
Provision for credit losses	-336	668	-92	-2,767	6,929	3,467	·	1,237	3,058
Net interest income after provision	130,767	117,630	101,494	122,378	97,240	62,653	60,975	56,967	48,837
Noninterest income	25,184	23,063	18,204	18,118^r	33,689^r	27,211	39,896^r	37,646^r	32,405
Noninterest expense	63,257	53,379	47,726	49,279^r	48,310^r	41,100	40,003^r	38,612^r	31,192
Interest expense	·	·	91,348	27,609	4,572	11,489	22,238	14,675	8,619
Income before income taxes	92,694	87,314	71,972	91,217	82,619	48,764	60,868	56,001	50,050
Income tax expense	24,162	22,810	20,359	28,615	20,918	12,370	16,150	14,667	18,153
Net income including non-controlling interests	68,532	64,504	51,613	62,602	61,701	36,394	44,718	41,334	31,897
Net income	68,532	64,504	51,613	62,602	61,701	36,394	44,718	41,334	31,897
Earnings per share, basic	2.66	2.55	2.05	2.46	2.41	1.42	1.82	1.71	1.34
Earnings per share, diluted	2.64	2.52	2.02	2.44	2.39	1.41	1.81	1.69	1.32
Weighted average shares, basic	25,733,733	25,283,345	25,205,489	25,409,654	25,572,005	25,613,881	24,533,180	24,184,790	23,858,696
Weighted average shares, diluted	26,005,582	25,582,121	25,518,516	25,688,696	25,788,781	25,798,549	24,729,535	24,475,698	24,139,006

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestIncomeOperating

Interest and investment income what its cash and investments earnedus-gaap:InvestmentIncomeNonoperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton MCBS · research, not advice