MetroCity Bankshares (NASDAQ: MCBS) furnishes Q4 2025 earnings press release

Rhea-AI Filing Summary

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.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 30, 2026

METROCITY BANKSHARES, INC.

(Exact name of registrant as specified in its charter)

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Georgia	No. 001-39068	47-2528408
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

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5114 Buford Highway Doraville, Georgia	​	30340
(Address of principal executive offices)	​	(Zip Code)

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(770) 455-4989

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240-13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class	Trading Symbol(s)	Name of each Exchange on which registered
Common Stock, par value $0.01 per share	MCBS	The Nasdaq Stock Market LLC

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ◻

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ◻

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Item 2.02    Results of Operations and Financial Condition

On January 30, 2026, MetroCity Bankshares, Inc. (the “Company”) issued a press release announcing its results of operations and financial condition for the fourth quarter ended December 31, 2025. A copy of the press release covering such announcement is attached hereto as Exhibit 99.1 and incorporated by reference herein.

In accordance with General Instruction B.2 of Form 8-K, the information furnished in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document.

Item 9.01    Financial Statements and Exhibits

(d)         Exhibits

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Exhibit No.	Description
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99.1	MetroCity Bankshares, Inc. Earnings Press Release dated January 30, 2026
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104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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​	METROCITY BANKSHARES, INC. ​
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Date: January 30, 2026	By:	/s/ Lucas Stewart
​	​	Lucas Stewart
​	​	Chief Financial Officer
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FAQ

What did MetroCity Bankshares (MCBS) disclose in this 8-K filing?

MetroCity Bankshares, Inc. reported that it issued a press release with its fourth quarter 2025 financial results and condition. The earnings release, dated January 30, 2026, is attached as Exhibit 99.1 and is furnished rather than filed under SEC rules.

Which period’s results does MetroCity Bankshares (MCBS) discuss in the latest 8-K?

The company’s press release covers results of operations and financial condition for the fourth quarter ended December 31, 2025. These quarterly results are described in the earnings release that is attached to the report as Exhibit 99.1 for investors to review in detail.

How is the MetroCity Bankshares (MCBS) earnings press release treated under SEC rules?

The earnings press release furnished with this report under Item 2.02 is not deemed “filed” under Section 18 of the Exchange Act. It also is not automatically incorporated by reference into other securities filings unless specifically identified in those documents.

What exhibit did MetroCity Bankshares (MCBS) include with this 8-K?

MetroCity Bankshares, Inc. included Exhibit 99.1, its earnings press release dated January 30, 2026. The report also references Exhibit 104, which provides the cover page interactive data file embedded within the Inline XBRL document for electronic reporting purposes.

Who signed the MetroCity Bankshares (MCBS) 8-K regarding Q4 2025 results?

The current report was signed on behalf of MetroCity Bankshares, Inc. by Lucas Stewart. He is identified as the company’s Chief Financial Officer and executed the report dated January 30, 2026, as the duly authorized officer for this disclosure.