MetroCity Bankshares, Inc.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

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MetroCity Bankshares, Inc.

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April 20, 2026

Dear Shareholder,

We would like to extend a personal invitation for you to join us at the 2026 annual meeting of shareholders which will be held on Thursday, May 21, 2026, at 4:00 p.m. Eastern Time at the main office of Metro City Bank located at 5114 Buford Highway, Doraville, Georgia 30340.

Please review the notice of annual meeting of shareholders and proxy statement enclosed with this letter which describes the formal business to be transacted at the meeting. Following the meeting, we will discuss the status of our business and answer appropriate questions.

To ensure that your vote is recorded promptly, please vote as soon as possible, even if you plan to attend the meeting in person. Whether or not you expect to attend the annual meeting in person, please vote your shares by signing, dating, and promptly returning the enclosed proxy card in the accompanying postage-paid envelope, or by voting online or by telephone using the instructions printed on the proxy card. This will ensure that your shares are represented at the annual meeting.

We thank you for your continued support of the company and look forward to speaking with you at the 2026 annual meeting of shareholders.

NOTICE OF ANNUAL MEETING OF SHAREHOLDERS

TO BE HELD ON MAY 21, 2026

MetroCity Bankshares, Inc. (the “Company”) will hold its annual meeting of shareholders at the main office of Metro City Bank (the “Bank”) located at 5114 Buford Highway, Doraville, Georgia 30340 on Thursday, May 21, 2026, at 4:00 p.m., Eastern Time, for the following purposes, all of which are described in greater detail in the accompanying proxy statement:

Only shareholders of record at the close of business on April 10, 2026, will be entitled to notice of and to vote at the annual meeting or any adjournment or postponement thereof. The holders of shares of the Company’s common stock are entitled to one vote per share on all matters to be presented for action by shareholders at the meeting.

It is important that your shares be represented and voted at the meeting. You can vote your shares online or by telephone, or by completing and returning the proxy card or voting instruction card sent to you. Voting instructions are printed on your proxy card or voting instruction card and are included in the accompanying proxy statement. You can revoke a proxy at any time before its exercise at the meeting by following the instructions in the proxy statement.

Copies of the annual meeting proxy materials, including the proxy statement and the Annual Report on Form 10-K, are also available at www.edocumentview.com/MCBS.

The board of directors of the Company unanimously recommends that shareholders vote “FOR” each of the five director nominees for election as a director and “FOR” the ratification of Crowe LLP as the Company’s independent registered public accounting firm for 2026.

Whether or not you plan to attend the meeting, please vote online or by telephone, or by marking, signing, dating, and promptly returning the enclosed proxy card or voting instruction card.