METROCITY BANKSHARES, INC. (MCBS)

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METROCITY BANKSHARES, INC.

MCBS • CIK 0001747068

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income (Expense), Net	$101,479	$118,146	$130,449	$156,245
Financing Receivable, Credit Loss, Expense (Reversal)	$-15	$516	$-318	$-2,187
Interest Income (Expense), after Provision for Loan Loss	$101,494	$117,630	$130,767	$158,432
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$71,972	$87,314	$92,694	$107,799
Income Tax Expense (Benefit)	$20,359	$22,810	$24,162	$27,945
Net Income (Loss) Attributable to Parent	$51,613	$64,504	$68,532	$79,854
Interest and Fee Income, Loans and Leases	$181,883	$200,770	$209,499	$242,761
Investment Income, Nonoperating	$10,767	$11,838	$10,770	$12,376
Interest Income, Federal Funds Sold	$177	$305	$559	$518
Interest Income, Operating	$192,827	$212,913	$220,828	$255,655
Interest Expense, Deposits	—	$80,060	$72,895	$81,639
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Short-term	$10,741	$14,707	$17,484	$17,771
InterestExpenseOperating	—	$94,767	$90,379	$99,410
Gain (Loss) on Sale of Mortgage Loans	$2,017	$1,914	$3,952	$3,952
Other Income	$2,727	$2,592	$3,265	$3,036
Noninterest Income	$18,204	$23,063	$25,184	$26,107
Labor and Related Expense	$29,304	$33,207	$36,674	$42,472
Information Technology and Data Processing	$1,229	$1,293	$1,534	$2,077
Advertising Expense	$614	$634	$657	$742
Business Combination, Acquisition Related Costs	—	—	$4,729	$6,080
Other Expenses	$11,686	$12,721	$13,875	$17,021
Noninterest Expense	$47,726	$53,379	$63,257	$76,740

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$142,152	$236,338	$370,832	$254,368
Federal Funds Sold	$2,653	$13,537	$12,844	$12,322
Cash and Cash Equivalents, at Carrying Value	$144,805	$249,875	$383,676	$266,690
Marketable Securities	$10,335	$10,300	$18,646	$18,481
Liabilities and Equity	$3,502,823	$3,594,045	$4,768,400	$4,519,954
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$18,493	$17,391	$47,179	$26,183
Financing Receivable, Held-for-Sale	$22,267	$22,267	$9,741	$1,350
Financing Receivable, after Allowance for Credit Loss	$3,123,993	$3,139,191	$4,023,554	$3,930,501
Interest Receivable	$15,125	$15,858	$20,298	$20,115
Federal Home Loan Bank Stock	$17,846	$20,251	$27,565	$21,112
Property, Plant and Equipment, Net	$18,132	$18,276	$29,879	$29,619
Operating Lease, Right-of-Use Asset	$8,472	$7,850	$15,193	$14,040
Other Real Estate and Foreclosed Assets	$1,466	$427	$208	$1,300
Bank Owned Life Insurance	$70,957	$73,285	$75,786	$77,066
Goodwill	—	—	$56,048	$56,048
Finite-Lived Intangible Assets, Net	—	—	$12,627	$11,991
Derivative Asset	$31,781	$21,790	$6,343	$4,791
Other Assets	$10,627	$10,868	$29,396	$28,179
Advances from Federal Home Loan Banks	$325,000	$375,000	$510,000	$375,000
Operating Lease, Liability	$8,651	$7,940	$15,306	$14,131
Interest Payable	$4,133	$3,498	$10,731	$7,537
Other Liabilities	$52,586	$49,456	$42,178	$66,075
Liabilities	$3,121,306	$3,172,692	$4,224,216	$3,952,100
Common Stock, Value, Issued	$252	$254	$1,159	$288
Additional Paid in Capital	$45,699	$49,216	$138,675	$136,123
Retained Earnings (Accumulated Deficit)	$315,356	$358,704	$402,684	$431,518
Accumulated Other Comprehensive Income (Loss), Net of Tax	$20,210	$13,179	$1,666	$-75
Stockholders' Equity Attributable to Parent	$381,517	$421,353	$544,184	$567,854
Noninterest-bearing Domestic Deposit, Demand	$512,045	$536,276	$780,828	$782,972
Interest-bearing Deposit Liabilities	$2,218,891	$2,200,522	$2,865,173	$2,706,385
Deposits	$2,730,936	$2,736,798	$3,646,001	$3,489,357
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$18,112	$18,744	$27,843	$25,818
Preferred Stock, Shares Authorized	10,000,000	10,000,000	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0	0	0
Common Stock, Shares Authorized	40,000,000	40,000,000	40,000,000	40,000,000
Common Stock, Shares, Issued	25,205,506	25,402,782	28,817,967	28,781,229

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$51,613	$64,504	$68,532	$79,854
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	$-34,680	$105,070	$133,801	$-19,321
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$144,805	$249,875	$383,676	$486,222
Depreciation, Amortization and Accretion, Net	$2,687	$2,960	$3,511	$1,040
Payments to Acquire Marketable Securities	$11,500	—	$8,000	$8,000
Financing Receivable, Credit Loss, Expense (Reversal)	$-15	$516	$-318	$-2,187
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$1,272	$640	$2,643	$2,111
Share-based Payment Arrangement, Expense	$2,421	$2,629	$2,907	$2,899
Payments for (Proceeds from) Federal Home Loan Bank Stock	$353	$2,405	$2,442	$-6,453
Unrealized Gain (Loss) on Investments	$35	$-35	$346	$0
Gains (Losses) on Sales of Other Real Estate	$547	$-59	$28	$28
Payments to Acquire Property, Plant, and Equipment	$4,931	$1,286	$674	$674
Deferred Income Tax Expense (Benefit)	$1,010	$350	$643	$643
Proceeds from Sale of Foreclosed Assets	$4,109	$1,264	$2,446	$2,446
Cash Acquired from Acquisition	—	—	$9,153	$9,153
Payments for Origination of Mortgage Loans Held-for-sale	$73,005	$73,957	$49,981	$56,870
Net Cash Provided by (Used in) Investing Activities	$-110,265	$5,868	$126,832	$230,855
Life Insurance, Corporate or Bank Owned, Change in Value	$1,827	$2,328	$2,501	$2,546
Increase (Decrease) in Accrued Interest Receivable, Net	$1,954	$733	$1,684	$831
Increase (Decrease) in Accrued Taxes Payable	—	—	$-9,102	$4,544
Increase (Decrease) in Other Current Assets	$2,264	$-2,534	$1,369	$-50
Increase (Decrease) in Interest Payable, Net	$1,394	$-635	$-1,065	$-4,199
Increase (Decrease) in Other Current Liabilities	$26,842	$-4,694	$-18,570	$1,454
Net Cash Provided by (Used in) Operating Activities	$82,099	$63,501	$37,702	$82,066
Increase (Decrease) in Deposits	$64,098	$5,862	$-51,773	$-161,112
Debt Instrument, Increase (Decrease), Other, Net	$392	$392	$392	$392
Proceeds from Stock Options Exercised	—	$900	$900	$900
Payments for Repurchase of Common Stock	$2,020	$10	$2,727	$7,139
Payments of Stock Issuance Costs	—	—	$272	$272
Payments of Ordinary Dividends, Common Stock	$18,200	$21,051	$24,845	$28,719
Net Cash Provided by (Used in) Financing Activities	$-6,514	$35,701	$-30,733	$-332,242
Stock Issued	—	—	$90,456	$90,456
Noncash or Part Noncash Acquisition, Value of Assets Acquired	—	—	$1,152,450	$1,152,450
Noncash or Part Noncash Acquisition, Value of Liabilities Assumed	—	—	$1,071,147	$1,071,147
Interest Paid, Excluding Capitalized Interest, Operating Activities	$89,594	$95,402	$91,444	$103,609
Income Taxes Paid, Net	$17,973	$21,503	$21,779	$12,649

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Import this data to Google Sheets with:

=jivedata("MCBS","financials")

Full statements spill as a table. For one cell: =jivedata("MCBS","Revenue") or =jivedata("MCBS","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.