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MetroCity Bankshares
MetroCity Bankshares (MCBS) investor relations material
MetroCity Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Net income for Q4 2025 was $18.3M ($0.68/diluted share), up from $17.3M in Q3 2025 and $16.2M in Q4 2024.
Full-year 2025 net income reached $68.7M ($2.64/diluted share), a 6.5% increase year-over-year.
Completed acquisition of First IC Corporation and First IC Bank in December 2025, significantly impacting balance sheet and income statement.
Financial highlights
Q4 2025 net interest margin rose to 3.73% from 3.68% in Q3 2025 and 3.57% in Q4 2024.
Total loans held for investment increased by $1.1B (36.6%) to $4.1B from Q3 2025, mainly due to First IC acquisition.
Total deposits grew by $952.9M (35.4%) to $3.65B from Q3 2025; excluding First IC, deposits rose 2.7%.
Noninterest income for Q4 2025 was $7.8M, up 26.5% sequentially and 46.9% year-over-year.
Noninterest expense for Q4 2025 was $20.4M, up 39.3% from Q3 2025, driven by merger-related costs.
Outlook and guidance
Management expects continued integration of First IC to enhance competitive position and financial flexibility.
Forward-looking statements highlight risks from economic conditions, interest rates, and integration challenges.
First IC merger's impact on Q4 efficiency ratio
First IC acquisition's impact on asset quality
Derivative benefit trend on net interest margin
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Latest events from MetroCity Bankshares
- Annual meeting to vote on directors, executive pay, auditor, and governance initiatives.MCBS
Proxy Filing2 Dec 2025 - Q3 2025 net income up 3.4%, First IC merger on track, asset quality remains strong.MCBSQ3 20257 Nov 2025
- Q2 2025 net income reached $16.8M; First IC merger to close early Q4 and boost assets.MCBSQ2 20258 Aug 2025
- Q3 2024 net income rose 46% year-over-year, with strong margins and asset quality.MCBSQ3 202413 Jun 2025
- Q2 2024 net income up 29% year-over-year, with higher margins and strong asset quality.MCBSQ2 202413 Jun 2025
- Q1 2025 net income rose 11.4% and the First IC merger will create a $4.8B asset company.MCBSQ1 20256 Jun 2025
- Q4 net income up 43% year-over-year, with strong margins and stable asset quality.MCBSQ4 20245 Jun 2025
Next MetroCity Bankshares earnings date
Q1 202617 Apr, 2026
MetroCity Bankshares
Next MetroCity Bankshares earnings date
Q1 202617 Apr, 2026
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