---
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"
generated_at: "2026-05-18T05:48:55.759308+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1747068/000174706825000047/0001747068-25-000047-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1747068/000174706825000047/mcbs-20250718x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001747068-25-000047
- JSON: https://secwatch.observer/filing/0001747068-25-000047.json
- Plain text: https://secwatch.observer/filing/0001747068-25-000047.txt

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