MetroCity Bankshares, Inc.

For the period ended Jun 30, 2026. Filed Aug 7, 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.

Jun 30, 2026 · Filed Aug 7, 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 June 30, 2026 (unaudited) and December 31, 2025	3
	Consolidated Statements of Income (unaudited) for the Three and Six Months Ended June 30, 2026 and 2025	4
	Consolidated Statements of Comprehensive Income (unaudited) for the Three and Six Months Ended June 30, 2026 and 2025	5
	Consolidated Statements of Shareholders’ Equity (unaudited) for the Three and Six Months Ended June 30, 2026 and 2025	6
	Consolidated Statements of Cash Flows (unaudited) for the Six Months Ended June 30, 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	33
Item 3.	Quantitative and Qualitative Disclosures about Market Risk	58
Item 4.	Controls and Procedures	59

Part II.	Other Information

Item 1.	Legal Proceedings	60
Item 1A.	Risk Factors	60
Item 2.	Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities	60
Item 3.	Defaults Upon Senior Securities	61
Item 4.	Mine Safety Disclosures	61
Item 5.	Other Information	61
Item 6.	Exhibits	61
	Signatures	62

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About this filing

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