---
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"
generated_at: "2026-05-16T06:00:38.834481+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001747068-26-000004
- JSON: https://secwatch.observer/filing/0001747068-26-000004.json
- Plain text: https://secwatch.observer/filing/0001747068-26-000004.txt

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