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Mountain Commerce Bancorp (MCBI) investor relations material
Mountain Commerce Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.8 million, up from $2.3 million in Q2 2024; adjusted net income was $3.0 million, up from $2.0 million year-over-year.
Quarterly cash dividend of $0.07 per share declared, marking the nineteenth consecutive quarterly dividend.
Established a new $25 million senior revolving line of credit, replacing a $10 million facility.
Tangible common equity to tangible assets ratio rose to 7.66% at June 30, 2025, from 7.58% at year-end 2024.
Financial highlights
Net interest income increased 23% year-over-year to $9.6 million for Q2 2025; six-month net interest income rose 30% to $18.5 million.
Adjusted ROAA for Q2 2025 was 0.68%, up from 0.45% in Q2 2024; adjusted ROAE was 8.84%, up from 6.34%.
Net interest margin improved to 2.40% in Q2 2025 from 2.00% a year ago.
Noninterest income rose to $0.9 million in Q2 2025, driven by higher swap fees.
Noninterest expense increased 14.9% year-over-year to $6.9 million in Q2 2025, mainly due to higher compensation and professional fees.
Outlook and guidance
Management anticipates continued improvement in net interest margin and earnings through 2025, assuming stable macroeconomic conditions.
Modeling suggests further earnings growth as loan yields rise and funding costs improve.
What drives anticipated NIM improvement in 2025?
Why did ACL coverage of NPLs decrease significantly?
What is the strategy for managing loan growth?
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Next Mountain Commerce Bancorp earnings date
Q3 20254 Nov, 2025
Next Mountain Commerce Bancorp earnings date
Q3 20254 Nov, 2025
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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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