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.

item 2.02 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

MetroCity Bankshares, Inc. reported the first quarter of 2026 results: net income $22.3 million, EPS $0.77 per diluted share.

Period: the first quarter of 2026
Net income: $22.3 million
EPS: $0.77 per diluted share
Result: reported results

Exact text from the filing

MetroCity Bankshares, Inc. (“MetroCity” or the “Company”) (NASDAQ: MCBS), holding company for Metro City Bank (the “Bank”), today reported net income of $22.3 million, or $0.77 per diluted share, for the first quarter of 2026, compared to $18.3 million, or $0.68 per diluted share, for the fourth quarter of 2025, and $16.3 million, or $0.63 per diluted share, for the first quarter of 2025.

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Source: SEC EDGAR

accession 0001104659-26-048536

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