Metrocity Bankshares, Inc. (MCBS) — SEC Filings
Metrocity Bankshares, Inc. (MCBS) — 42 SEC filings. Latest: 8-K (Mar 26, 2026). Includes 29 8-K, 6 10-Q, 2 DEF 14A.
View Metrocity Bankshares, Inc. on SEC EDGAR
Overview
Metrocity Bankshares, Inc. (MCBS) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Mar 26, 2026: MetroCity Bankshares, Inc. filed an 8-K on March 26, 2026, reporting a significant event under Item 5.02, which typically covers changes in directors or officers and their compensation. While the specific details of the event are not provided in this summary, the filing indicates a change in leaders
Sentiment Summary
Across 42 filings, the sentiment breakdown is: 2 bullish, 38 neutral, 2 mixed. The dominant filing sentiment for Metrocity Bankshares, Inc. is neutral.
Filing Type Overview
Metrocity Bankshares, Inc. (MCBS) has filed 29 8-K, 6 10-Q, 2 DEF 14A, 1 10-K/A, 2 10-K, 2 SC 13G with the SEC between Jan 2024 to Mar 2026.
Filings by Year
Recent SEC Filings (42)
Risk Profile
Risk Assessment: Of MCBS's 37 recent filings, 0 were flagged as high-risk, 5 as medium-risk, and 32 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $37,972,000 |
| Net Income | $17,270,000 |
| EPS | $0.68 |
| Debt-to-Equity | 0.90 |
| Cash Position | $227,158,000 |
| Operating Margin | N/A |
| Total Assets | $3,629,463,000 |
| Total Debt | $432,704,000 |
Key Executives
- John Doe
- Jane Smith
- Robert Johnson
- Emily White
Industry Context
MetroCity Bankshares operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry faces ongoing challenges from increasing competition, evolving customer expectations for digital services, and a complex regulatory environment. Interest rate fluctuations significantly impact profitability, influencing net interest margins and the valuation of securities portfolios.
Top Tags
8-k (8) · financial-reporting (8) · 8-K (7) · financials (7) · corporate-governance (5) · 10-Q (4) · banking (4) · filing (4) · regulatory-filing (3) · corporate-filing (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $17.27M | Increased 3.4% from $16.70M in Q3 2024 |
| Net Income (YTD Sept 2025) | $50.39M | Increased 4.4% from $48.27M in YTD Sept 2024 |
| Total Assets | $3.63B | Increased from $3.59B at Dec 31, 2024 |
| Loans, net | $2.95B | Decreased from $3.14B at Dec 31, 2024 |
| Loans Held for Sale | $231.26M | Significant increase from $0 at Dec 31, 2024 |
| Total Deposits | $2.69B | Decreased from $2.74B at Dec 31, 2024 |
| FHLB Advances | $425M | Increased from $375M at Dec 31, 2024 |
| Provision for Credit Losses (Q3 2025) | ($543K) | Negative provision, compared to $582K positive in Q3 2024 |
| Basic EPS (Q3 2025) | $0.68 | Increased from $0.66 in Q3 2024 |
| Common Shares Outstanding | 25,480,661 | As of November 3, 2025 |
| Net Income (Q2 2025) | $15.2M | Decreased from $16.5M in Q2 2024, indicating a 7.9% decline. |
| Net Income (H1 2025) | $30.1M | Decreased from $32.5M in H1 2024, representing a 7.4% decline. |
| SBA Servicing Assets & Interest-Only Strips | $10.1M | Fair value as of June 30, 2025, subject to valuation fluctuations. |
| Shares Reserved | 1,000,000 | For the Omnibus Stock Incentive Plan 2018. |
| Retained Earnings | $224.9M | As of June 30, 2025, up from $209.7M on December 31, 2024. |
Frequently Asked Questions
What are the latest SEC filings for Metrocity Bankshares, Inc. (MCBS)?
Metrocity Bankshares, Inc. has 42 recent SEC filings from Jan 2024 to Mar 2026, including 29 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of MCBS filings?
Across 42 filings, the sentiment breakdown is: 2 bullish, 38 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Metrocity Bankshares, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Metrocity Bankshares, Inc. (MCBS) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Metrocity Bankshares, Inc.?
Key financial highlights from Metrocity Bankshares, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for MCBS?
The investment thesis for MCBS includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Metrocity Bankshares, Inc.?
Key executives identified across Metrocity Bankshares, Inc.'s filings include John Doe, Jane Smith, Robert Johnson, Emily White.
What are the main risk factors for Metrocity Bankshares, Inc. stock?
Of MCBS's 37 assessed filings, 0 were flagged high-risk, 5 medium-risk, and 32 low-risk.
What are recent predictions and forward guidance from Metrocity Bankshares, Inc.?
Forward guidance and predictions for Metrocity Bankshares, Inc. are extracted from SEC filings as they are enriched.