---
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"
generated_at: "2026-05-17T03:24:51.027071+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1747068/000174706825000058/0001747068-25-000058-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1747068/000174706825000058/mcbs-20251017x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001747068-25-000058
- JSON: https://secwatch.observer/filing/0001747068-25-000058.json
- Plain text: https://secwatch.observer/filing/0001747068-25-000058.txt

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