MetroCity Q3 net income $17.3M ($0.67 EPS), up 2.6% QoQ and 3.4% YoY; First IC merger on track for Q4

MetroCity Bankshares, Inc.

2025-Q3 EPS reported $1.96

Net income $17.3M ($0.67 diluted EPS), vs $16.8M ($0.65) in Q2 2025 and $16.7M ($0.65) in Q3 2024.
Net interest margin 3.68% down 9 bps QoQ but up 10 bps YoY; loans grew $71.6M QoQ to $3.20B.
First IC acquisition received all regulatory approvals; merger expected to close late Q4 2025.
Nonperforming assets $14.0M (0.38% of assets), down from $15.2M at Q2 2025.
Efficiency ratio 38.7% vs 37.2% QoQ, reflecting higher noninterest expense.

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