MetroCity Bankshares reports Q2 net income of $22.1M, margin expands to 4.11%

Filed July 24, 2026 · Period ending July 24, 2026 · ~1 min read

Key Changes

• high

  Q2 2026 net income of $22.1M ($0.76/share) down 0.8% QoQ but up 31.5% YoY, reflecting First IC acquisition completed Q4 2025.

  Exhibit 99.1 view on EDGAR →
• high

  Net interest margin improved 3bp QoQ to 4.11% (34bp YoY), driven by higher asset yields (6.57%, up 6bp) partially offset by higher deposit costs (3.36%, up 11bp). $750M in rate derivatives reduced interest expense by $1.5M.

  Exhibit 99.1 view on EDGAR →
• medium

  Deposits declined $137.3M (3.8%) QoQ to $3.49B, with outflows in money market ($105.2M), time deposits ($38.5M), and noninterest-bearing demand ($16.2M). Uninsured deposits rose to 33.1% from 31.9%.

  Exhibit 99.1 view on EDGAR →