{"schema_version":"secwatch.filing_event.v1","accession":"0001747068-25-000047","form_type":"8-K","ticker":"MCBS","cik":"0001747068","company_name":"MetroCity Bankshares, Inc.","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.862779+00:00","generated_at":"2026-05-18T05:48:55.759308+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 Q2 net income $16.8M ($0.65 EPS); NIM expands to 3.77%; merger with First IC on track for Q4","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001747068-25-000047","json":"https://secwatch.observer/filing/0001747068-25-000047.json","markdown":"https://secwatch.observer/filing/0001747068-25-000047.md","text":"https://secwatch.observer/filing/0001747068-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1747068/000174706825000047/0001747068-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1747068/000174706825000047/mcbs-20250718x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:48:55.759308+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"}