{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-086635","form_type":"8-K","ticker":"MCBS","cik":"0001747068","company_name":"MetroCity Bankshares, Inc.","filed_at":"2026-07-24T20:00:31+00:00","discovered_at":"2026-07-24T20:01:00.943833+00:00","generated_at":"2026-07-24T20:01:11.281551+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"MetroCity Q2 net income $22.1M ($0.76 EPS); NIM expands to 4.11%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-086635","json":"https://secwatch.observer/filing/0001104659-26-086635.json","markdown":"https://secwatch.observer/filing/0001104659-26-086635.md","text":"https://secwatch.observer/filing/0001104659-26-086635.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1747068/000110465926086635/0001104659-26-086635-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1747068/000110465926086635/mcbs-20260724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-24T20:01:11.281551+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}