secwatch.observer — SEC 8-K summary
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Issuer:     MetroCity Bankshares, Inc. (MCBS)
CIK:        0001747068
Form:       8-K
Filed at:   2026-01-30T23:59:59+00:00
Accession:  0001747068-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1747068/000174706826000004/0001747068-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1747068/000174706826000004/mcbs-20260130x8k.htm
  HTML page:      https://secwatch.observer/filing/0001747068-26-000004

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer