MetroCity Q2 net income $22.1M ($0.76 EPS); NIM expands to 4.11%

MetroCity Bankshares, Inc.

Net income $22.1M ($0.76 diluted EPS) vs $22.3M ($0.77) Q1 2026 and $16.8M ($0.65) Q2 2025.
Net interest margin 4.11% vs 4.08% Q1 2026 and 3.77% Q2 2025; ROAA stable at 1.96%.
Six-month net income $44.4M ($1.53 diluted EPS) vs $33.1M ($1.29) prior year period.
Efficiency ratio improved to 40.08% from 42.16% Q1 2026 but up from 37.23% Q2 2025.
Return on average equity 17.52% vs 18.28% Q1 2026 and 15.74% Q2 2025.

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