<span item_type="fundamental" item_id="81efe37a342dcab4a629234404c09ef1" counter_id="ST/US/MCBS" env="prod"></span><span item_type="announcement" item_id="580170963939625089" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 60.18 M, beating the estimate of USD 37.7 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.67, beating the estimate of USD 0.61.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -7.953 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: Total interest income for the three months ended September 30, 2025 was $54.0 million, an increase of $170,000 from the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li><li><strong>Noninterest Income</strong>: Noninterest income for the three months ended September 30, 2025 was $6.2 million, a decrease of $437,000 from the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: Net income for the three months ended September 30, 2025 was $17.3 million, compared to $16.7 million for the same period in 2024, an increase of 3.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li><li><strong>Provision for Credit Losses</strong>: Recorded a credit to the provision for credit losses of $543,000 during the three months ended September 30, 2025, compared to a provision of $582,000 in the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Flow from Operating Activities</strong>: $42.8 million for the nine months ended September 30, 2025, compared to $44.2 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li><li><strong>Net Cash Flow from Investing Activities</strong>: - $52.1 million for the nine months ended September 30, 2025, compared to $75.2 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Loan Portfolio</strong>: Gross loans held for investment decreased by $197.8 million, or 6.2%, to $2.97 billion as of September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The merger with First IC Corporation is expected to be completed in the fourth quarter of 2025, projecting the pro forma company to have approximately $4.8 billion in total assets, $3.6 billion in total deposits, and $4.2 billion in total loans.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li><li><strong>Non-Core Business</strong>: The Company announced the continuation of its share repurchase program, authorizing the repurchase of up to 923,976 shares of common stock, effective October 1, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1747068/000174706825000061/mcbs-20250930x10q.htm"></span></li></ul>

Metrocity Bankshares | 10-Q: FY2025 Q3 Revenue Beats Estimate at USD 60.18 M