MCBS at a glance
MetroCity Bankshares, Inc. (MCBS, SEC CIK 1747068) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 21, 2026 and Form 4 insider filings as recently as June 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), MetroCity Bankshares, Inc. (MCBS) reported revenue of $220.8 million (up 3.7% from FY2024) and net income of $68.5 million. Diluted EPS was $2.64.
- As of June 30, 2026, 23 institutional investment managers tracked by SignalX reported holding MetroCity Bankshares, Inc. (MCBS) shares worth $171.5 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $220.8M
- +3.7% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 23 funds
- $171.5M · −1 vs prior quarter
- Latest 8-K
- Aug 21, 2026
- Item 5.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net interest income $44.0M, up $11.9M YoY; net income $22.1M, up 31.5% from $16.8M
- Net interest margin 4.11% vs 3.77% YoY; efficiency ratio 40.08% vs 37.23%
- Commercial real estate strongest loan category, average balance $1.45B and interest income $29.5M
- Mortgage weakest activity, production $75.4M vs $93.2M and mortgage servicing income $271K vs $781K
- Interest-rate hedges totaled $750.0M; estimated remaining-2026 interest-expense credit approximately $1.9M
Risk Factors
- No material changes to risk factors disclosed in the 2025 Form 10-K
- Regulatory compliance risk: share repurchases conducted under SEC Rules 10b-18 and 10b5-1
- Capital allocation risk: repurchase authorization ended in second quarter 2026
- Market risk: repurchases subject to market and other conditions
- Financial flexibility risk: no common shares repurchased during three months ended June 30, 2026
AI summary of the MCBS 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Don T.P. Leung resigning as company and bank director, vice chairman, effective September 17, 2026
- Departure includes chairmanship of Credit Risk Management Committee and membership on four additional committees
Item 2.02: Results of Operations and Financial Condition
- Second-quarter results for period ended June 30, 2026
- Press release issued July 24, 2026, with operating and financial details in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 2026 net income $22.1M, or $0.76 per diluted share, up 31.5% year over year but down 0.8% sequentially
- Six-month net income $44.4M, up 34.2% year over year, reflecting First IC acquisition contributions
Item 8.01: Other Events
- Quarterly cash dividend of $0.29 per common share declared
- Payable August 7, 2026, to shareholders of record July 29, 2026
AI summaries of MCBS 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for MCBS
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Shim David S. | A | Jun 1, 2026 | 367 | $32.66 |
| Glover Frank | A | Jun 1, 2026 | 735 | $32.66 |
| Mohdnor Abdul | A | Jun 1, 2026 | 612 | $32.66 |
| Paek John | A | Jun 1, 2026 | 735 | $32.66 |
| Hungeling William J. | A | Jun 1, 2026 | 735 | $32.66 |
| Lai Francis | A | Jun 1, 2026 | 735 | $32.66 |
| Leung Don | A | Jun 1, 2026 | 735 | $32.66 |
| Kim Howard Hwasaeng | A | Jun 1, 2026 | 21,840 | $32.66 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $192.8M | $212.9M | $220.8M |
| Net Income | $51.6M | $64.5M | $68.5M |
| Net Margin | 26.8% | 30.3% | 31.0% |
| Balance Sheet | |||
| Total Assets | $3.5B | $3.6B | $4.8B |
| Equity | $381.5M | $421.4M | $544.2M |
| ROE | 13.5% | 15.3% | 12.6% |
| Per Share | |||
| EPS | - | $2.52 | $2.64 |
| Cash Flow | |||
| Operating CF | $82.1M | $63.5M | $37.7M |
| CapEx | $4.9M | $1.3M | $674K |
Source: XBRL data in MetroCity Bankshares, Inc. (MCBS)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate MCBS share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 23 | $171.5M |
| Q1 2026 | 24 | $125.0M |
| Q4 2025 | 21 | $108.1M |
| Q3 2025 | 21 | $109.5M |
| Q2 2025 | 21 | $111.6M |
| Q1 2025 | 17 | $68.0M |
| Q4 2024 | 13 | $71.2M |
| Q3 2024 | 12 | $38.8M |
- BlackRock+309.3K (+21%)
- Vanguard Capital Management LLC+77.4K (+9%)
- Dimensional Fund Advisors+53.5K (+11%)
- State Street Corp+35.6K (+8%)
- AQR Capital Management+35.1K (+346%)
- Goldman Sachs Group−106.3K (-67%)
- Two Sigma Investments−27.3K (-61%)
- Morgan Stanley−5.1K (-4%)
- Citadel Advisors LLC−63.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 152 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
MCBS filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Jul 29, 2026 | - | - | |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 8-K | May 22, 2026 | - | Analysis | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 24, 2026 | - | Analysis | - |
| 8-K | Apr 15, 2026 | - | Analysis | - |
| 8-K | Mar 26, 2026 | - | - | - |
| 10-K | Mar 16, 2026 | Dec 31, 2025 | - | |
| 8-K | Feb 12, 2026 | - | - |
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MCBS SEC filings: frequently asked questions
Which institutions hold MCBS stock?
As of June 30, 2026, the largest MetroCity Bankshares, Inc. (MCBS) holders among the 13F filers tracked by SignalX were BlackRock ($65.1 million), Vanguard Capital Management LLC ($34.3 million), Dimensional Fund Advisors ($19.8 million), State Street Corp ($18.3 million), Northern Trust ($8.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was MCBS's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), MetroCity Bankshares, Inc. (MCBS) reported revenue of $220.8 million (up 3.7% from FY2024) and net income of $68.5 million. Diluted EPS was $2.64. The figures come from the XBRL data in the 10-K.
What did MCBS report in its latest 8-K?
MetroCity Bankshares, Inc. (MCBS) filed an 8-K on August 21, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Don T.P. Leung resigning as company and bank director, vice chairman, effective September 17, 2026.
What are the latest MCBS SEC filings?
MetroCity Bankshares, Inc. (MCBS) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 21, 2026 and a Form 4 insider filing on June 2, 2026.
What is MCBS's SEC CIK number?
MetroCity Bankshares, Inc. (MCBS)'s SEC Central Index Key (CIK) is 1747068. EDGAR lists every MCBS filing under that number.
Ask anything about MCBS
The research agent reads MCBS's filings, financials, insider trades and 13F holders, then answers with sources.