MetroCity Bankshares Q1 net income $22.3M ($0.77 EPS), up 37% YoY

MetroCity Bankshares, Inc.

2026-Q1 EPS reported $0.77

Net income of $22.3M ($0.77 diluted EPS) vs $18.3M ($0.68) in Q4 2025 and $16.3M ($0.63) in Q1 2025.
Net interest margin expanded to 4.08% from 3.73% in Q4 2025 and 3.67% in Q1 2025.
Annualized ROAA of 1.96%; ROAE of 18.28%; adjusted ROAE (non-GAAP) of 19.36%.
Efficiency ratio improved to 42.16% (operating efficiency 38.87%) vs 46.71% in Q4 2025.

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