MetroCity Bankshares, Inc.

For the period ended Mar 31, 2026. Filed May 8, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Mar 31, 2026 · Filed May 8, 2026

MCBS$36.36+0.9%Stored close · as of Nov 9, 2026

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Contents

		Page
Part I.	Financial Information

Item l.	Financial Statements:
	Consolidated Balance Sheets as of March 31, 2026 (unaudited) and December 31, 2025	3
	Consolidated Statements of Income (unaudited) for the Three Months Ended March 31, 2026 and 2025	4
	Consolidated Statements of Comprehensive Income (unaudited) for the Three Months Ended March 31, 2026 and 2025	5
	Consolidated Statements of Shareholders’ Equity (unaudited) for the Three Months Ended March 31, 2026 and 2025	6
	Consolidated Statements of Cash Flows (unaudited) for the Three Months Ended March 31, 2026 and 2025	7
	Notes to Consolidated Financial Statements (unaudited)	9
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	32
Item 3.	Quantitative and Qualitative Disclosures about Market Risk	53
Item 4.	Controls and Procedures	54

Part II.	Other Information

Item 1.	Legal Proceedings	55
Item 1A.	Risk Factors	55
Item 2.	Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities	55
Item 3.	Defaults Upon Senior Securities	56
Item 4.	Mine Safety Disclosures	56
Item 5.	Other Information	56
Item 6.	Exhibits	56
	Signatures	58

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