)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Mountain Commerce Bancorp
Mountain Commerce Bancorp (MCBI) investor relations material
Mountain Commerce Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Reported net income of $2.3 million for Q4 2025 and $11.2 million for the year, with adjusted net income of $2.9 million and $12.0 million, respectively, reflecting strong earnings growth year-over-year.
Announced a proposed all-stock merger with Home Bancshares, expected to close in early 2026, offering 0.85 shares of Home Bancshares for each company share.
Declared a $0.07 per share quarterly dividend, marking the 21st consecutive quarterly dividend.
Financial highlights
Net interest income rose 13.1% year-over-year in Q4 and 23.5% for the full year, driven by higher average interest-earning assets and lower cost of funds.
Adjusted diluted EPS was $0.46 for Q4 2025 and $1.91 for the year, up from $0.39 and $1.27 in 2024.
Net interest margin expanded to 2.54% in Q4 2025 from 2.29% in Q4 2024; full-year margin rose to 2.44% from 2.01%.
Noninterest income increased to $0.7 million in Q4 and $3.3 million for the year, aided by improved equity market conditions, higher wealth management fees, and increased swap and partnership income.
Noninterest expense rose $1.3 million in Q4 and $3.0 million for the year, mainly due to higher compensation, merger-related costs, and non-recurring property repairs.
Outlook and guidance
Management targets continued net interest margin expansion and earnings growth in 2026, assuming stable macroeconomic conditions.
Key remaining merger approval steps
What caused the non-performing asset increase?
How to achieve 2026 net interest margin expansion?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Mountain Commerce Bancorp earnings date
Q1 202624 Apr, 2026
Mountain Commerce Bancorp
Next Mountain Commerce Bancorp earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage