Metrocity Bankshares Inc (NASDAQ: MCBS) is a bank holding company that operates a commercial bank offering real estate, commercial, and consumer lending alongside deposit-taking services. It earns money primarily through net interest income on loans, with a portfolio of $4.08 billion in gross loans as of December 31, 2025, composed of residential real estate (58.3%), commercial real estate (38.3%), commercial and industrial (2.4%), and construction and development (1.0%). The bank also originates SBA and USDA loans, retaining servicing rights on sold portions. As of December 31, 2025, the commercial real estate SBA and USDA portfolio totaled $439.8 million, up 76.9% from $248.6 million at December 31, 2024, partly reflecting the acquisition of First IC's SBA loan portfolio. The bank operates throughout Georgia and the Southeast, as well as New York, New Jersey, California, Texas, and Virginia. Its deposit base is concentrated in business accounts, with the fifteen largest depositor relationships totaling $475.2 million, or 13.0% of total deposits, as of December 31, 2025. Return on average assets was 1.85% and the efficiency ratio was 40.64% for FY2025.

Revenue model

Net interest income on a $4.08 billion loan portfolio (FY2025), supplemented by servicing income on sold SBA and USDA loan portions. Deposits are the primary funding source, including $1.07 billion tied to the Federal Funds Effective rate as of December 31, 2025, hedged with interest rate swap and cap agreements. The bank pays dividends with a payout ratio of 35.94% in FY2025.

Products and services

Residential real estate loans, commercial real estate loans, construction and development loans, commercial and industrial loans, SBA-guaranteed loans (commercial real estate and C&I), USDA loans, consumer loans, business deposit accounts, internet banking, and core processing-dependent retail and commercial banking services.

Customers and end markets

Primary customers are businesses and their principals, with deposit balances frequently exceeding the $250,000 FDIC insurance limit. The fifteen largest depositor relationships (excluding brokered deposits) totaled $475.2 million, or 13.0% of total deposits, as of December 31, 2025. End markets include commercial real estate borrowers, small businesses accessing SBA and USDA programs, and residential mortgage borrowers.

Value-chain role

Direct lender and deposit-taking institution. Originates and holds loans on balance sheet, and selectively sells SBA and USDA loan portions while retaining servicing rights. Relies on third-party providers for core systems processing, web hosting, and deposit processing.

Geographic exposure

Operates throughout Georgia and the Southeast, with additional presence in New York, New Jersey, California, Texas, and Virginia, as of the 10-K filed March 16, 2026.

Competitors

Other Georgia-based banks, Large out-of-state and foreign banks with Georgia market presence, Internet-based banks, Credit unions, Mortgage companies, Savings and loan associations, Personal and commercial finance companies, Investment brokerage and advisory firms, Mutual fund companies, Insurance companies

Source: SEC 10-K, filed 2026-03-16

Industry: State Commercial Banks Peers: Arrow Financial Corp Business First Bancshares Inc CNB Financial Corp Coastal Financial Corp (EVERETT) First Community Bankshares Inc Five Star Bancorp HBT Financial, Inc PNC Financial Services Group Inc