{"schema_version":"secwatch.filing_event.v1","accession":"0001747068-26-000004","form_type":"8-K","ticker":"MCBS","cik":"0001747068","company_name":"MetroCity Bankshares, Inc.","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.063737+00:00","generated_at":"2026-05-16T06:00:38.834481+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"MetroCity Q4 net income $18.3M ($0.68 EPS) up 13% YoY; full-year EPS $2.64 vs $2.52","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001747068-26-000004","json":"https://secwatch.observer/filing/0001747068-26-000004.json","markdown":"https://secwatch.observer/filing/0001747068-26-000004.md","text":"https://secwatch.observer/filing/0001747068-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1747068/000174706826000004/0001747068-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1747068/000174706826000004/mcbs-20260130x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:00:38.834481+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"}