Short answer
MetroCity Bankshares, Inc. (MCBS) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $54M (up 0.3% year over year) with net income of $17M.
Q3 2025 key financials · XBRL
- Revenue
- $54M
- +0.3% YoY · −0.1% QoQ
- Net income
- $17M
- +3.4% YoY · +2.6% QoQ
- EPS (diluted)
- $0.67
- +3.1% YoY · +1.5% QoQ
Source: XBRL data from the MetroCity Bankshares, Inc. (MCBS) Q3 2025 10-Q on SEC EDGAR. USD.
MetroCity Bankshares, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $17.3M, up 3.4% YoY from $16.7M
- Net interest margin 3.68% vs 3.58% YoY; net interest income $31.8M vs $30.3M
- Best line: mortgage production $168.6M vs $122.4M YoY; worst: residential mortgage gain $166K vs $526K
- Noninterest income $6.2M, down 6.6% YoY; noninterest expense $14.7M vs $13.7M
- Credit provision credit $543K vs $582K expense; interest-rate derivatives expected to provide $3.2M credit through 2025 and $7.6M in 2026
Risk Factors
- No material risk-factor changes from the 2024 Form 10-K
- Carried-forward regulatory risk: SEC-compliant repurchases under Rules 10b-18 and 10b5-1
- Carried-forward capital-allocation risk: repurchase authorization for 923,976 shares through September 30, 2026
- Carried-forward market risk: repurchases depend on market and other conditions
- Carried-forward liquidity risk: repurchase program may be modified, suspended, or discontinued at any time
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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