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Mountain Commerce Bancorp (MCBI) investor relations material
Mountain Commerce Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Net income for Q3 2025 was $3.9 million, up from $3.0 million in Q3 2024, with diluted EPS of $0.62 versus $0.48 year-over-year.
Adjusted return on average assets rose to 0.86% and adjusted return on average equity to 10.92% in Q3 2025, up from 0.50% and 6.79% in Q3 2024.
Net interest margin improved to 2.50% in Q3 2025 from 2.08% in Q3 2024, reflecting better cost of funds and asset yields.
The board declared a $0.07 per share quarterly dividend, the twentieth consecutive quarterly dividend.
Financial highlights
Net interest income increased 23.3% year-over-year to $10.2 million for Q3 2025.
Noninterest income rose to $1.2 million in Q3 2025 from $0.7 million in Q3 2024, driven by higher wealth management, swap fees, and limited partnership income.
Noninterest expense was stable at $6.5 million for Q3 2025, with higher compensation offset by lower data processing costs.
For the nine months ended September 30, 2025, net income was $8.9 million, up from $6.8 million in the prior year period.
Total assets grew 3.3% since year-end 2024 to $1.80 billion, with loans receivable up 1.4% and deposits up 3.7%.
Outlook and guidance
Management expects continued improvement in earnings through 2025, assuming stable macroeconomic conditions.
Focus remains on careful risk and growth management, with ongoing efforts to pay down debt and strengthen capital.
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Next Mountain Commerce Bancorp earnings date
Q4 202523 Jan, 2026
Next Mountain Commerce Bancorp earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Mountain Commerce Bancorp, Inc. is a U.S.-based bank holding company that operates through its subsidiary, Mountain Commerce Bank. The bank offers a variety of financial services, including personal and business banking, loans, mortgages, and wealth management solutions. Focused on serving individuals, small businesses, and commercial clients, Mountain Commerce Bank emphasizes customer service and personalized banking solutions in Tennessee. The company is headquartered in Knoxville, Tennessee, and its shares are traded on the OTC Markets.
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