MetroCity Q2 net income $16.8M ($0.65 EPS); NIM expands to 3.77%; merger with First IC on track for Q4

MetroCity Bankshares, Inc.

2025-Q2 EPS reported $1.29

Net income $16.8M, up 3.2% from $16.3M in Q1 2025; diluted EPS $0.65 vs $0.63 Q1 and $0.66 yr-ago.
Net interest margin 3.77%, up 10 bps from 3.67% Q1; loan portfolio $3.12B, down 0.4% sequentially.
Merger with First IC Corporation approved by regulators and shareholders; expected to close early Q4 2025.
Nonperforming assets $15.2M (0.42% of assets), down from $18.5M at March 31; allowance 0.60% of loans.
Total deposits $2.69B, down 1.7% from prior quarter; uninsured deposits 25.1% of total.

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