---
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"
generated_at: "2026-05-27T22:16:01.222536+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# MetroCity Q4 EPS $0.63, down QoQ but up 43% YoY; FY 2024 income up 25%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001747068-25-000004
- JSON: https://secwatch.observer/filing/0001747068-25-000004.json
- Plain text: https://secwatch.observer/filing/0001747068-25-000004.txt

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