MetroCity Bankshares (MCBS) Q4 2025 earnings summary

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.