MetroCity Q4 net income $18.3M ($0.68 EPS) up 13% YoY; full-year EPS $2.64 vs $2.52

MetroCity Bankshares, Inc.

2025-FY EPS reported $2.64

Q4 2025 net income $18.3M ($0.68 diluted) vs $16.2M ($0.63) in Q4 2024; full-year net income $68.7M ($2.64) vs $64.5M ($2.52).
Total loans held for investment rose 36.6% to $4.1B QoQ, largely from First IC acquisition; organic loans grew 3.1%.
Net interest margin expanded 16 bps QoQ to 3.73%; efficiency ratio worsened to 46.7% from 38.7% in Q3.
Total deposits increased 35.4% to $3.65B; excluding acquired deposits, organic growth 2.7% QoQ.

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