{"schema_version":"secwatch.filing_event.v1","accession":"0001747068-25-000004","form_type":"8-K","ticker":"MCBS","cik":"0001747068","company_name":"MetroCity Bankshares, Inc.","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.699164+00:00","generated_at":"2026-05-27T22:16:01.222536+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"MetroCity Q4 EPS $0.63, down QoQ but up 43% YoY; FY 2024 income up 25%","bullets":["Net income $16.2M ($0.63 diluted EPS) vs Q3 $16.7M ($0.65) and Q4 2023 $11.3M ($0.44).","FY 2024 net income $64.5M ($2.52 per diluted share), up 25% from $51.6M ($2.02) in FY 2023.","Net interest margin 3.57% for Q4 vs 3.58% prior Q and 3.17% year ago; loan growth $70.1M QoQ to $3.16B.","Nonperforming assets $18.4M (0.51% of assets), up from $15.8M (0.44%) in prior Q; ACL/loans 0.59%.","Efficiency ratio 40.5% for Q4 vs 37.0% prior Q and 45.1% year ago; FY ratio improved to 37.8%."],"urls":{"canonical":"https://secwatch.observer/filing/0001747068-25-000004","json":"https://secwatch.observer/filing/0001747068-25-000004.json","markdown":"https://secwatch.observer/filing/0001747068-25-000004.md","text":"https://secwatch.observer/filing/0001747068-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1747068/000174706825000004/0001747068-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1747068/000174706825000004/mcbs-20250121x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:16:01.222536+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"}