{"schema_version":"secwatch.filing_event.v1","accession":"0001747068-25-000058","form_type":"8-K","ticker":"MCBS","cik":"0001747068","company_name":"MetroCity Bankshares, Inc.","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.330181+00:00","generated_at":"2026-05-17T03:24:51.027071+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 Q3 net income $17.3M ($0.67 EPS), up 2.6% QoQ and 3.4% YoY; First IC merger on track for Q4","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001747068-25-000058","json":"https://secwatch.observer/filing/0001747068-25-000058.json","markdown":"https://secwatch.observer/filing/0001747068-25-000058.md","text":"https://secwatch.observer/filing/0001747068-25-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1747068/000174706825000058/0001747068-25-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1747068/000174706825000058/mcbs-20251017x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:24:51.027071+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"}