---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-048536"
form_type: "8-K"
ticker: "MCBS"
cik: "0001747068"
company_name: "MetroCity Bankshares, Inc."
filed_at: "2026-04-24T23:59:59+00:00"
generated_at: "2026-05-15T04:13:04.582582+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-26-048536
- form_type: 8-K
- ticker: MCBS
- cik: 0001747068
- company_name: MetroCity Bankshares, Inc.
- filed_at: 2026-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1747068/000110465926048536/0001104659-26-048536-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1747068/000110465926048536/mcbs-20260424x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-048536
- JSON: https://secwatch.observer/filing/0001104659-26-048536.json
- Plain text: https://secwatch.observer/filing/0001104659-26-048536.txt

## Key facts
- Earnings Releases
  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
  source text: 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.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1747068/000110465926048536/0001104659-26-048536-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.