---
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"
generated_at: "2026-07-24T20:01:11.281551+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-086635
- JSON: https://secwatch.observer/filing/0001104659-26-086635.json
- Plain text: https://secwatch.observer/filing/0001104659-26-086635.txt

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