Welcome to our dedicated page for Metrocity Bankshares SEC filings (Ticker: MCBS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission (SEC) filings for MetroCity Bankshares, Inc. (NASDAQ: MCBS), the Doraville, Georgia-based bank holding company for Metro City Bank. Through these filings, investors can review the company’s regulatory disclosures as a commercial banking organization.
MetroCity files Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q, which include audited and interim financial statements, management’s discussion and analysis of financial condition and results of operations, and detailed information on loan and deposit portfolios, net interest income, noninterest income and expense, capital, and risk factors. These reports are central for understanding MetroCity’s performance as a commercial bank and its exposure to credit, interest rate and other risks.
The company also submits numerous Current Reports on Form 8-K to disclose material events. In 2025, 8-K filings covered topics such as the Agreement and Plan of Reorganization with First IC Corporation, receipt of regulatory and shareholder approvals for the merger, the expected and actual completion dates of the merger, quarterly earnings announcements, authorization of a share repurchase program, and declarations of quarterly cash dividends. Each 8-K identifies the event under specific items, such as Item 2.02 for results of operations and financial condition or Item 8.01 for other events.
MetroCity’s common stock, par value $0.01 per share, is registered under Section 12(b) of the Securities Exchange Act of 1934 and trades on The Nasdaq Stock Market LLC under the symbol MCBS, as reflected in its SEC cover pages. Filings also reference forward-looking statement disclosures and point to the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections of the Form 10-K for additional detail.
On Stock Titan, these SEC filings are updated as they become available from EDGAR. AI-powered tools can help summarize lengthy documents such as 10-Ks and 10-Qs, highlight key changes from prior periods, and surface notable items from 8-Ks related to mergers, capital actions and other corporate developments, allowing users to review MetroCity’s regulatory history more efficiently.
MetroCity Bankshares, Inc. filed an amended report to add detailed historical and unaudited pro forma financial information for its completed acquisition of First IC Corporation, which closed after the close of business on December 1, 2025. The deal’s total merger consideration is $202.3 million, including approximately 3,384,066 shares of Metro City common stock and $111.9 million in cash.
On a pro forma basis as of September 30, 2025, the combined company shows total assets of $4.82 billion and shareholder’s equity of $536.3 million. Pro forma net income is $65.2 million for the nine months ended September 30, 2025 (basic EPS $2.26) and $92.5 million for 2024 (basic EPS $3.23).
MetroCity Bankshares, Inc. shareholder Nack Y. Paek filed an amended Schedule 13G reporting beneficial ownership of 1,333,976 shares of common stock, or 4.63% of the class. This includes 1,313,976 shares over which he has sole voting and dispositive power and 20,000 shares with shared voting and dispositive power.
The percentage is based on 28,817,967 MetroCity Bankshares common shares outstanding as of December 31, 2025, as referenced from the company’s Form 8-K. The filing confirms that Paek now reports ownership of 5 percent or less of the company’s common stock.
MetroCity Bankshares, Inc. filed a current report to note that it released its financial results and condition for the fourth quarter ended December 31, 2025. The company announced these results through a press release dated January 30, 2026, which is attached as an exhibit to the report.
The earnings press release is furnished, not filed, meaning it is not automatically subject to certain Exchange Act liabilities or incorporated into other securities filings unless specifically referenced. The report is signed on behalf of the company by Chief Financial Officer Lucas Stewart.
MetroCity Bankshares, Inc. declared a quarterly cash dividend of $0.25 per share on its common stock. The dividend will be paid on February 13, 2026 to shareholders who are on record as of February 4, 2026. The company also issued a press release with these details, which is included as an exhibit to this report.
BlackRock, Inc. has filed an amended Schedule 13G reporting beneficial ownership of 1,327,646 shares of MetroCity Bankshares Inc. common stock, representing 4.6% of the class as of the event date 12/31/2025.
BlackRock reports sole power to vote 1,296,888 shares and sole power to dispose of 1,327,646 shares, with no shared voting or dispositive power. The filing notes that various persons have rights to dividends or sale proceeds from these shares, but that no single person has an interest in more than five percent of the outstanding common stock. BlackRock certifies that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of MetroCity Bankshares.
MetroCity Bankshares, Inc. (MCBS) announced the expected closing date for its merger with First IC Corporation (FIEB) on December 1, 2025, subject to the satisfaction or waiver of remaining customary closing conditions.
Under the Agreement and Plan of Reorganization, FIEB will merge into MCBS, followed by First IC Bank merging into Metro City Bank. MCBS previously received all required regulatory approvals and non-objections, as well as FIEB shareholder approval. The companies also reiterated standard forward‑looking cautions, noting potential integration challenges, market conditions, and other factors that could affect outcomes.
MetroCity Bankshares reported steady third‑quarter performance. Net income was $17.3 million, up from $16.7 million a year ago, with diluted EPS of $0.67. Net interest income rose to $31.8 million from $30.3 million as interest expense declined year over year. The company recorded a $0.5 million net release of credit loss reserves versus a $0.6 million provision last year, supporting results.
For the nine months, net income reached $50.4 million versus $48.3 million, and net interest income increased to $94.5 million from $88.1 million. Total assets were $3.63 billion. Loans held for investment declined to $2.95 billion from $3.14 billion as residential mortgages were moved to held for sale; loans held for sale stood at $231.3 million. Deposits were $2.69 billion versus $2.74 billion at year‑end. Shareholders’ equity improved to $445.9 million, while accumulated other comprehensive income decreased.
The allowance for credit losses was $17.9 million. The company declared a $0.25 per‑share dividend in the quarter and $0.71 year‑to‑date. FHLB advances increased to $425.0 million.
MetroCity Bankshares, Inc. (MCBS) furnished an 8‑K under Item 2.02 to announce its results of operations and financial condition for the third quarter ended September 30, 2025. The company issued a press release and attached it as Exhibit 99.1.
The Item 2.02 information, including Exhibit 99.1, is furnished pursuant to General Instruction B.2 and is not deemed “filed” under the Exchange Act, nor incorporated by reference unless specifically stated otherwise.
MetroCity Bankshares, Inc. declared a quarterly cash dividend of $0.25 per share on its common stock. The dividend is payable on November 7, 2025 to shareholders of record as of October 29, 2025.
The company also released a press statement detailing the dividend, which is included as Exhibit 99.1.
MetroCity Bankshares, Inc. reported that its board approved the continuation of its share repurchase program, authorizing the company to buy back up to 923,976 outstanding shares of common stock. The continued program will run from October 1, 2025 through September 30, 2026, effectively replacing the prior repurchase program that expires on September 30, 2025.
The company states that repurchases will comply with Securities and Exchange Commission rules, including Rule 10b-18, and may be executed under Rule 10b5-1 plans to allow purchases during periods when it might otherwise be restricted. Buybacks may occur from time to time in the open market or through privately negotiated transactions, and the program may be modified, suspended, or discontinued at any time, with no obligation to repurchase any specific number of shares.