MetroCity Bankshares (MCBS) investor relations material

Executive summary

• Net income for Q2 2026 was $22.1 million ($0.76 per diluted share), down 0.8% sequentially but up 31.5% year-over-year, driven by the First IC acquisition in late 2025.

• Six-month net income rose 34.2% year-over-year to $44.4 million ($1.53 per diluted share).

• Total assets at June 30, 2026 were $4.52 billion, up 25% year-over-year but down 3.6% sequentially.

Financial highlights

• Net interest margin for Q2 2026 was 4.11%, up from 4.08% in Q1 2026 and 3.77% in Q2 2025.

• Return on average assets was 1.96% for Q2 2026, flat sequentially and up from 1.87% a year ago.

• Return on average equity was 17.52% for Q2 2026, down from 18.28% in Q1 2026 but up from 15.74% in Q2 2025.

• Efficiency ratio improved to 40.08% from 42.16% in Q1 2026 but higher than 37.23% in Q2 2025.

• Noninterest income for Q2 2026 was $5.8 million, down 9.5% sequentially but up 0.4% year-over-year.

• Noninterest expense for Q2 2026 was $20.0 million, down 6.9% sequentially but up 41.4% year-over-year.

Outlook and guidance

• Management cautions that forward-looking statements are subject to risks including economic conditions, interest rate changes, integration of acquisitions, and regulatory developments.