$MCBS
Metrocity Bankshares Inc

2023 Q4 Form 10-Q Financial Statement

#000174706823000082 Filed on November 07, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $727.0K $800.0K
YoY Change -39.92% -35.95%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $24.56M
YoY Change 188.58%
% of Operating Profit
Other Income/Expense, Net $3.206M
YoY Change -3.93%
Pretax Income $16.14M $15.65M
YoY Change -17.39% -34.52%
Income Tax $4.790M $4.224M
% Of Pretax Income 29.68% 26.99%
Net Earnings $11.35M $11.43M
YoY Change 11.46% -32.35%
Net Earnings / Revenue
Basic Earnings Per Share $0.45
Diluted Earnings Per Share $0.44 $0.45
COMMON SHARES
Basic Shares Outstanding 25.21M 25.28M
Diluted Shares Outstanding 25.59M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $155.1M $292.2M
YoY Change -18.27% 53.59%
Cash & Equivalents $144.8M $282.1M
Short-Term Investments $10.30M $10.10M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $26.60M $17.46M
YoY Change 86.6% -22.4%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $3.503B $3.511B
YoY Change 2.21% 4.86%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $4.133M $3.900M
YoY Change 50.89% 161.92%
Accrued Expenses $8.651M $7.500M
YoY Change -2.63% -19.38%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $12.78M $11.40M
YoY Change 9.98% 5.63%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change -100.0% -100.0%
Other Long-Term Liabilities $52.59M $71.30M
YoY Change 119.44% 68.28%
Total Long-Term Liabilities $52.59M $71.30M
YoY Change 115.91% 66.73%
TOTAL LIABILITIES
Total Short-Term Liabilities $12.78M $11.40M
Total Long-Term Liabilities $52.59M $71.30M
Total Liabilities $3.121B $3.126B
YoY Change 1.41% 4.23%
SHAREHOLDERS EQUITY
Retained Earnings $315.4M $308.6M
YoY Change 10.33% 10.42%
Common Stock $252.0K $252.0K
YoY Change 0.0% -0.79%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $381.5M $384.7M
YoY Change
Total Liabilities & Shareholders Equity $3.503B $3.511B
YoY Change 2.21% 4.86%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income $11.35M $11.43M
YoY Change 11.46% -32.35%
Depreciation, Depletion And Amortization $727.0K $800.0K
YoY Change -39.92% -35.95%
Cash From Operating Activities -$8.302M $17.70M
YoY Change -6.86% -938.47%
INVESTING ACTIVITIES
Capital Expenditures $943.0K $1.400M
YoY Change 1.95% -228.44%
Acquisitions
YoY Change
Other Investing Activities -$135.1M -$11.30M
YoY Change 72.6% -94.58%
Cash From Investing Activities -$136.1M -$12.70M
YoY Change 71.78% -93.94%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 7.103M 14.40M
YoY Change -91.92% -91.45%
NET CHANGE
Cash From Operating Activities -8.302M 17.70M
Cash From Investing Activities -136.1M -12.70M
Cash From Financing Activities 7.103M 14.40M
Net Change In Cash -137.3M 19.40M
YoY Change 57568.91% -144.73%
FREE CASH FLOW
Cash From Operating Activities -$8.302M $17.70M
Capital Expenditures $943.0K $1.400M
Free Cash Flow -$9.245M $16.30M
YoY Change -6.03% -1696.47%

Facts In Submission

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dei Entity Registrant Name
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METROCITY BANKSHARES, INC.
dei Entity Incorporation State Country Code
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GA
dei Entity Tax Identification Number
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EarningsPerShareBasic
1.60
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.06
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.45
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.66
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.58
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.04
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
11428000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
16893000
us-gaap Net Income Loss
NetIncomeLoss
40266000
us-gaap Net Income Loss
NetIncomeLoss
52422000
CY2023Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-803000
CY2022Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-893000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-587000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-3707000
CY2023Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
7249000
CY2022Q3 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
19332000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
18595000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
31113000
CY2023Q3 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
1805000
CY2022Q3 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
4610000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
5764000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
6852000
CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
4641000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
13829000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
12244000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
20554000
CY2023Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
16069000
CY2022Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
30722000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
52510000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
72976000
CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
373163000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
11428000
CY2023Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
825000
CY2023Q3 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
762000
CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
4641000
CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.18
CY2023Q3 us-gaap Dividends Common Stock
DividendsCommonStock
4591000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
384704000
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
323069000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
16893000
CY2022Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
689000
CY2022Q3 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
1607000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
13829000
CY2022Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.15
CY2022Q3 us-gaap Dividends Common Stock
DividendsCommonStock
3844000
CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
349029000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
349421000
us-gaap Net Income Loss
NetIncomeLoss
40266000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
1596000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
1314000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
12244000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.54
us-gaap Dividends Common Stock
DividendsCommonStock
13708000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
384704000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
290223000
us-gaap Net Income Loss
NetIncomeLoss
52422000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
1242000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
3888000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
20554000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.45
us-gaap Dividends Common Stock
DividendsCommonStock
11524000
CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
349029000
us-gaap Profit Loss
ProfitLoss
40266000
us-gaap Profit Loss
ProfitLoss
52422000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
1960000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
2665000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-797000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-1599000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
1596000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
1242000
us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
-187000
us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
-934000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
547000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-15000
mcbs Writedown Of Foreclosed Real Estate
WritedownOfForeclosedRealEstate
240000
us-gaap Proceeds From Sale Of Other Loans Held For Sale
ProceedsFromSaleOfOtherLoansHeldForSale
96932000
mcbs Gain Loss On Sale Of Residential Mortgages
GainLossOnSaleOfResidentialMortgages
2017000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
73038000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
32077000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
76305000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
34145000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
3267000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
2068000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
1332000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
1260000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
1441000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
680000
mcbs Increase Decrease In Sba Servicing Rights
IncreaseDecreaseInSbaServicingRights
22000
mcbs Increase Decrease In Sba Servicing Rights
IncreaseDecreaseInSbaServicingRights
-1910000
mcbs Increase Decrease In Mortgage Servicing Rights
IncreaseDecreaseInMortgageServicingRights
2150000
mcbs Increase Decrease In Mortgage Servicing Rights
IncreaseDecreaseInMortgageServicingRights
2772000
us-gaap Increase Decrease In Other Current Assets
IncreaseDecreaseInOtherCurrentAssets
-462000
us-gaap Increase Decrease In Other Current Assets
IncreaseDecreaseInOtherCurrentAssets
9175000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
1176000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
1285000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
46503000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
-1839000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
90401000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
143607000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
943000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
1992000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
353000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
-4082000
mcbs Increase Decrease In Loans Held For Sale For Investing Activities
IncreaseDecreaseInLoansHeldForSaleForInvestingActivities
-25077000
mcbs Increase Decrease In Loans Held For Sale For Investing Activities
IncreaseDecreaseInLoansHeldForSaleForInvestingActivities
569300000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
3988000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1429000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
4109000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
41000
mcbs Payments To Acquire Bank Owned Life Insurance
PaymentsToAcquireBankOwnedLifeInsurance
8000000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
25788000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-572614000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
13661000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
11493000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1314000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
3888000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
51750000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
307833000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
392000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
63000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
275000000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
475000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
325000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
600000000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-13617000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
167389000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
102572000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-261618000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
179485000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
441341000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
282057000
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
179723000
mcbs Transfer Of Loan Principal To Loans Held For Sale
TransferOfLoanPrincipalToLoansHeldForSale
94915000
mcbs Transfer Of Loan Principal To Foreclosed Real Estate Net Of Write Downs
TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns
235000
mcbs Transfer Of Loan Principal To Foreclosed Real Estate Net Of Write Downs
TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns
766000
mcbs Initial Recognition Of Operating Lease Right Of Use Assets
InitialRecognitionOfOperatingLeaseRightOfUseAssets
1273000
mcbs Initial Recognition Of Operating Lease Liabilities
InitialRecognitionOfOperatingLeaseLiabilities
1273000
us-gaap Interest Paid Net
InterestPaidNet
65623000
us-gaap Interest Paid Net
InterestPaidNet
11329000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
13765000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
23432000
us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1
CY2023Q3 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
78000
CY2022Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
114000
CY2023Q3 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss
21726000
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
4062000
CY2023Q3 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
17664000
CY2022Q4 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss
22720000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
3475000
CY2022Q4 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
19245000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
5919000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
5860000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
6844000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
4881000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
8963000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
6923000
CY2023Q3 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest Before Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss
21726000
CY2023Q3 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
17664000
CY2023Q3 mcbs Interest Receivable Available For Sale Securities
InterestReceivableAvailableForSaleSecurities
78000
CY2022Q4 mcbs Interest Receivable Available For Sale Securities
InterestReceivableAvailableForSaleSecurities
114000
CY2023Q3 mcbs Fair Value Of Securities Pledged
FairValueOfSecuritiesPledged
13000000.0
CY2022Q4 mcbs Number Of Securities Pledged
NumberOfSecuritiesPledged
0
CY2022Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2022Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2023Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2023Q3 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
4062000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
12986000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
804000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
4097000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
2671000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
10089000
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
20
mcbs Debt Securities Available For Sale Percentage Of Depreciation
DebtSecuritiesAvailableForSalePercentageOfDepreciation
0.2382
CY2023Q3 us-gaap Marketable Securities
MarketableSecurities
10100000
CY2022Q4 us-gaap Marketable Securities
MarketableSecurities
10300000
CY2023Q3 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-245000
CY2022Q3 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-327000
us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
187000
us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-934000
CY2023Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
3038458000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
3065329000
CY2023Q3 mcbs Loan And Leases Receivable Deferred Income
LoanAndLeasesReceivableDeferredIncome
8511000
CY2022Q4 mcbs Loan And Leases Receivable Deferred Income
LoanAndLeasesReceivableDeferredIncome
9640000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17660000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
13888000
CY2023Q3 us-gaap Notes Receivable Net
NotesReceivableNet
3012287000
CY2022Q4 us-gaap Notes Receivable Net
NotesReceivableNet
3041801000
CY2023Q3 us-gaap Accounts Receivable Noncurrent Accrued Interest After Allowance For Credit Loss
AccountsReceivableNoncurrentAccruedInterestAfterAllowanceForCreditLoss
14500000
CY2022Q4 us-gaap Accounts Receivable Noncurrent Accrued Interest After Allowance For Credit Loss
AccountsReceivableNoncurrentAccruedInterestAfterAllowanceForCreditLoss
13100000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18091000
CY2023Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
4000
CY2023Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-435000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17660000
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
16678000
CY2022Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
7000
CY2022Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-1703000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
14982000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
13888000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
452000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
22000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-853000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17660000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
16952000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
390000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
19000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-1599000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
14982000
CY2022Q4 mcbs Financing Receivables Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivablesAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
714000
CY2022Q4 mcbs Financing Receivables Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivablesAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
13174000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
13888000
CY2022Q4 mcbs Financing Receivables Individually Evaluated For Impairment
FinancingReceivablesIndividuallyEvaluatedForImpairment
29926000
CY2022Q4 mcbs Financing Receivables Collectively Evaluated For Impairment
FinancingReceivablesCollectivelyEvaluatedForImpairment
3025763000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
3055689000
CY2022Q4 mcbs Impaired Financing Receivable Unpaid Principal Balances
ImpairedFinancingReceivableUnpaidPrincipalBalances
29926000
CY2022Q4 mcbs Impaired Financing Receivable With No Related Allowance Recorded Investments
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestments
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CY2022Q4 mcbs Impaired Financing Receivable With Related Allowance Recorded Investments
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestments
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CY2022 us-gaap Financing Receivable Purchased With Credit Deterioration Amount At Par Value
FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue
30725000
CY2022Q4 mcbs Impaired Financing Receivables Related Allowance
ImpairedFinancingReceivablesRelatedAllowance
714000
CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
15127000
CY2023Q3 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3029947000
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
10065000
CY2022Q4 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3055689000
CY2023Q3 mcbs Financing Receivable Nonaccrual With Allowance
FinancingReceivableNonaccrualWithAllowance
1253000
CY2023Q3 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
13874000
CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
15127000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
268701000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
966114000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
993073000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
386244000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
132843000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
264272000
CY2023Q3 us-gaap Financing Receivable Excluding Accrued Interest Revolving
FinancingReceivableExcludingAccruedInterestRevolving
18700000
CY2023Q3 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3029947000
CY2022Q4 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3055689000
CY2023Q3 mcbs Financing Receivable Excluding Accrued Interest Modified In Period Amount Nonaccrual
FinancingReceivableExcludingAccruedInterestModifiedInPeriodAmountNonaccrual
0
us-gaap Financing Receivable Excluding Accrued Interest Modified Period
FinancingReceivableExcludingAccruedInterestModifiedPeriod
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us-gaap Financing Receivable Modification To Total Financing Receivables Excluding Accrued Interest Percent
FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
0.0041
us-gaap Financing Receivable Modified Weighted Average Interest Rate Decrease From Modification
FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
0.0360
mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
CY2023Q3 mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
mcbs Financing Receivable Impaired Troubled Debt Restructuring Write Down
FinancingReceivableImpairedTroubledDebtRestructuringWriteDown
0
CY2023Q3 mcbs Financing Receivable Impaired Troubled Debt Restructuring Write Down
FinancingReceivableImpairedTroubledDebtRestructuringWriteDown
0
mcbs Lessee Operating Lease Number Of Short Term Leases
LesseeOperatingLeaseNumberOfShortTermLeases
0
CY2023Q3 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
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CY2022Q4 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
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CY2023Q3 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
325000000
CY2022Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
375000000
CY2023Q3 mcbs Advances From Federal Home Loan Banks Call Amounts Every Six Months
AdvancesFromFederalHomeLoanBanksCallAmountsEverySixMonths
100000000.0
CY2023Q3 mcbs Advances From Federal Home Loan Banks Call Amounts Every Twelve Months
AdvancesFromFederalHomeLoanBanksCallAmountsEveryTwelveMonths
225000000.0
CY2023Q3 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
1040000000.00
CY2022Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
1010000000.00
CY2023Q3 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
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CY2022Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
2290000000
CY2023Q3 us-gaap Secured Debt
SecuredDebt
0
CY2022Q4 us-gaap Secured Debt
SecuredDebt
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us-gaap Lessee Operating Lease Existence Of Option To Extend
LesseeOperatingLeaseExistenceOfOptionToExtend
true
CY2023Q3 us-gaap Lessee Operating Lease Renewal Term
LesseeOperatingLeaseRenewalTerm
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us-gaap Lessee Operating Lease Existence Of Option To Terminate
LesseeOperatingLeaseExistenceOfOptionToTerminate
false
CY2023Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
532000
CY2022Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
480000
us-gaap Operating Lease Cost
OperatingLeaseCost
1441000
us-gaap Operating Lease Cost
OperatingLeaseCost
1496000
CY2023Q3 us-gaap Variable Lease Cost
VariableLeaseCost
42000
CY2022Q3 us-gaap Variable Lease Cost
VariableLeaseCost
43000
us-gaap Variable Lease Cost
VariableLeaseCost
130000
us-gaap Variable Lease Cost
VariableLeaseCost
130000
CY2023Q3 us-gaap Lease Cost
LeaseCost
574000
CY2022Q3 us-gaap Lease Cost
LeaseCost
523000
us-gaap Lease Cost
LeaseCost
1571000
us-gaap Lease Cost
LeaseCost
1626000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths
1918000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Two
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo
1737000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Three
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
1478000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Four
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour
1228000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
906000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due After Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive
905000
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
8172000
CY2023Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
635000
CY2023Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
7537000
CY2023Q3 mcbs Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.105
CY2023Q3 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
347314000
CY2023Q3 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1703
CY2023Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P5Y4M24D
CY2023Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0319
us-gaap Operating Lease Payments
OperatingLeasePayments
1538000
us-gaap Operating Lease Payments
OperatingLeasePayments
1420000
mcbs Operating Lease Liability Reduction Payments
OperatingLeaseLiabilityReductionPayments
1345000
mcbs Operating Lease Liability Reduction Payments
OperatingLeaseLiabilityReductionPayments
1219000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1273000
CY2023Q3 us-gaap Restricted Cash And Cash Equivalents At Carrying Value
RestrictedCashAndCashEquivalentsAtCarryingValue
40000000.0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
CY2022Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
CY2023Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2022Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2023Q3 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2021 mcbs Capital Conservation Buffer Percentage
CapitalConservationBufferPercentage
0.0250
CY2023Q3 us-gaap Capital
Capital
365268000
CY2023Q3 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1791
CY2023Q3 mcbs Capital Required For Capital Adequacy Including Buffer
CapitalRequiredForCapitalAdequacyIncludingBuffer
214160000
CY2023Q3 mcbs Tier One Risk Based Capital Required For Capital Adequacy Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer
173368000
CY2023Q3 mcbs Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.085
CY2023Q3 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
347314000
CY2023Q3 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1703
CY2023Q3 mcbs Common Equity Tier One Capital Required For Capital Adequacy Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer
142773000
CY2023Q3 mcbs Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.070
CY2023Q3 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
347314000
CY2023Q3 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1007
CY2023Q3 mcbs Tier One Leverage Capital Required For Capital Adequacy Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer
137909000
CY2023Q3 mcbs Tier One Leverage Capital Required For Capital Adequacy To Average Assets Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer
0.040
CY2022Q4 us-gaap Capital
Capital
338185000
CY2022Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1668
CY2022Q4 mcbs Capital Required For Capital Adequacy Including Buffer
CapitalRequiredForCapitalAdequacyIncludingBuffer
212932000
CY2022Q4 mcbs Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.105
CY2022Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
324297000
CY2022Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1599
CY2022Q4 mcbs Tier One Risk Based Capital Required For Capital Adequacy Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer
172374000
CY2022Q4 mcbs Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.085
CY2022Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
324297000
CY2022Q4 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1599
CY2022Q4 mcbs Common Equity Tier One Capital Required For Capital Adequacy Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer
141955000
CY2022Q4 mcbs Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.070
CY2022Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
324297000
CY2022Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.0957
CY2022Q4 mcbs Tier One Leverage Capital Required For Capital Adequacy Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer
135485000
CY2022Q4 mcbs Tier One Leverage Capital Required For Capital Adequacy To Average Assets Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer
0.040
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
11428000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
16893000
us-gaap Net Income Loss
NetIncomeLoss
40266000
us-gaap Net Income Loss
NetIncomeLoss
52422000
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25274665
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25433307
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25203114
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25452398
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.45
CY2022Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.66
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.60
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.06
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
11428000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
16893000
us-gaap Net Income Loss
NetIncomeLoss
40266000
us-gaap Net Income Loss
NetIncomeLoss
52422000
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25274665
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25433307
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25203114
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25452398
CY2023Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
317209
CY2022Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
268716
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
307574
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
279606
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25591874
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25702023
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25510688
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25732004
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.45
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.66
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.58
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.04
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2022Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2023Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2023Q3 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2023Q3 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false
CY2023Q3 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false
CY2023Q3 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false

Files In Submission

Name View Source Status
mcbs-20230930_def.xml Edgar Link unprocessable
mcbs-20230930_cal.xml Edgar Link unprocessable
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0001747068-23-000082-index.html Edgar Link pending
0001747068-23-000082.txt Edgar Link pending
0001747068-23-000082-xbrl.zip Edgar Link pending
Financial_Report.xlsx Edgar Link pending
mcbs-20230930.xsd Edgar Link pending
mcbs-20230930x10q.htm Edgar Link pending
mcbs-20230930xex31d1.htm Edgar Link pending
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mcbs-20230930xex32d1.htm Edgar Link pending
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mcbs-20230930_lab.xml Edgar Link unprocessable
mcbs-20230930_pre.xml Edgar Link unprocessable
mcbs-20230930x10q_htm.xml Edgar Link completed
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