{"schema_version":"secwatch.filing_event.v1","accession":"0001747068-22-000047","form_type":"8-K","ticker":"MCBS","cik":"0001747068","company_name":"MetroCity Bankshares, Inc.","filed_at":"2022-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.965783+00:00","generated_at":"2026-06-23T02:00:00.387181+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"MetroCity Q3 net income $16.9M ($0.66 EPS); NIM shrinks 42bps to 3.84%","bullets":["Q3 2022 diluted EPS $0.66 vs Q2 $0.63 and Q3 2021 $0.66; net income $16.9M flat YoY.","Net interest margin fell to 3.84% from 4.26% QoQ as deposit costs surged 95bps.","Total assets hit $3.35B (+5.7% QoQ); loans grew 7.5% to $2.98B; deposits up 7.3% to $2.57B.","Recorded $1.7M credit provision for loan losses (negative expense) vs $2.6M provision expense in Q3 2021.","Nonperforming assets fell to $32.5M (0.97% of assets) from $34.0M at June 30, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001747068-22-000047","json":"https://secwatch.observer/filing/0001747068-22-000047.json","markdown":"https://secwatch.observer/filing/0001747068-22-000047.md","text":"https://secwatch.observer/filing/0001747068-22-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1747068/000174706822000047/0001747068-22-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1747068/000174706822000047/mcbs-20221021x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:00:00.387181+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"}