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MetroCity Bankshares (MCBS) investor relations material
MetroCity Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Net income for Q3 2025 was $17.3 million, up 3.4% year-over-year, with basic and diluted EPS of $0.68 and $0.67; nine-month net income reached $50.4 million, a 4.4% increase.
Annualized return on average assets for Q3 2025 was 1.89%, and return on average equity was 15.69%.
The pending acquisition of First IC Corporation is expected to close in Q4 2025, with all regulatory approvals received and a pro forma company with $4.8 billion in assets.
Financial highlights
Net interest income for Q3 2025 was $31.8 million, up $1.5 million year-over-year; net interest margin increased to 3.68%.
Noninterest income for Q3 2025 was $6.2 million, down 6.6% year-over-year but up 7.8% sequentially, mainly due to lower gains on loan sales.
Noninterest expense rose 7.4% year-over-year to $14.7 million, driven by higher salaries, benefits, and merger-related costs.
Total assets grew 1.0% since year-end to $3.63 billion; total loans held for investment decreased 6.2% to $2.97 billion.
Total deposits declined to $2.69 billion, with noninterest-bearing deposits comprising 20.2% of the total.
Outlook and guidance
Management expects continued benefit from interest rate derivatives, estimating a $3.2 million credit to interest expense for the remainder of 2025 and $7.6 million in 2026.
The First IC merger is anticipated to close in Q4 2025, with integration risks, cost synergies, and economic and regulatory risks highlighted.
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Next MetroCity Bankshares earnings date
Q4 202522 Jan, 2026
Next MetroCity Bankshares earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
MetroCity Bankshares, Inc. is a bank holding company that provides a range of banking products and services through its wholly-owned subsidiary, Metro City Bank. The bank primarily serves small to medium-sized businesses, professionals, and retail customers. Its offerings include commercial and personal banking services, such as checking and savings accounts, loans, and lines of credit. The company also provides specialized financial services including trade finance, foreign exchange, and remittances, catering primarily to Asian-American communities. The company operates through a network of branch locations concentrated in the Southeastern United States. The company is headquartered in Doraville, Georgia, and its shares are listed on the NASDAQ.
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