$MCBS
Metrocity Bankshares Inc

2024 Q3 Form 10-Q Financial Statement

#000174706824000060 Filed on August 07, 2024

View on sec.gov

Income Statement

Concept 2024 Q3 2024 Q2
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 $722.0K
YoY Change 44.4%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $23.40M
YoY Change 3.93%
% of Operating Profit
Other Income/Expense, Net $3.262M $3.140M
YoY Change 1.75% 9.26%
Pretax Income $22.66M $23.37M
YoY Change 44.79% 25.54%
Income Tax $5.961M $6.430M
% Of Pretax Income 26.3% 27.52%
Net Earnings $16.70M $16.94M
YoY Change 46.14% 29.21%
Net Earnings / Revenue
Basic Earnings Per Share $0.66 $0.67
Diluted Earnings Per Share $0.65 $0.66
COMMON SHARES
Basic Shares Outstanding 25.33M 25.21M
Diluted Shares Outstanding 25.67M 25.57M

Balance Sheet

Concept 2024 Q3 2024 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $301.8M $338.2M
YoY Change 3.31% 23.81%
Cash & Equivalents $291.2M $327.9M
Short-Term Investments $10.60M $10.30M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $25.33M $25.76M
YoY Change 45.08% 57.32%
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 $3.569B $3.615B
YoY Change 1.66% 4.04%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $3.593M $3.482M
YoY Change -7.87% -10.72%
Accrued Expenses $7.295M $7.743M
YoY Change -2.73% -3.21%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.89M $11.23M
YoY Change -4.49% -5.67%
LONG-TERM LIABILITIES
Long-Term Debt $0.00
YoY Change -100.0%
Other Long-Term Liabilities $53.01M $76.06M
YoY Change -25.65% 14.89%
Total Long-Term Liabilities $53.01M $76.06M
YoY Change -25.65% 14.2%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.89M $11.23M
Total Long-Term Liabilities $53.01M $76.06M
Total Liabilities $3.162B $3.208B
YoY Change 1.14% 3.42%
SHAREHOLDERS EQUITY
Retained Earnings $348.3M $336.7M
YoY Change 12.88% 11.6%
Common Stock $253.0K $253.0K
YoY Change 0.4% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $407.2M $407.2M
YoY Change
Total Liabilities & Shareholders Equity $3.569B $3.615B
YoY Change 1.66% 4.04%

Cashflow Statement

Concept 2024 Q3 2024 Q2
OPERATING ACTIVITIES
Net Income $16.70M $16.94M
YoY Change 46.14% 29.21%
Depreciation, Depletion And Amortization $722.0K
YoY Change 44.4%
Cash From Operating Activities $19.36M
YoY Change -58.98%
INVESTING ACTIVITIES
Capital Expenditures $354.0K
YoY Change -74.71%
Acquisitions
YoY Change
Other Investing Activities $98.07M
YoY Change -1521.23%
Cash From Investing Activities $97.71M
YoY Change -1263.23%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -48.05M
YoY Change 23924.5%
NET CHANGE
Cash From Operating Activities 19.36M
Cash From Investing Activities 97.71M
Cash From Financing Activities -48.05M
Net Change In Cash 69.02M
YoY Change 78.82%
FREE CASH FLOW
Cash From Operating Activities $19.36M
Capital Expenditures $354.0K
Free Cash Flow $19.01M
YoY Change -58.5%

Facts In Submission

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CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
31567000
us-gaap Net Income Loss
NetIncomeLoss
28838000
CY2024Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.67
CY2023Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.52
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.25
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.15
CY2024Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.66
CY2023Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.51
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.24
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.13
CY2024Q2 us-gaap Net Income Loss
NetIncomeLoss
16937000
CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
13108000
us-gaap Net Income Loss
NetIncomeLoss
31567000
us-gaap Net Income Loss
NetIncomeLoss
28838000
CY2024Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
16000
CY2023Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-150000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-270000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
217000
CY2024Q2 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
-2454000
CY2023Q2 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
16478000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
4953000
us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
11345000
CY2024Q2 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
-673000
CY2023Q2 us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
5213000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
1311000
us-gaap Other Comprehensive Income Loss Tax Portion Attributable To Parent1
OtherComprehensiveIncomeLossTaxPortionAttributableToParent1
3959000
CY2024Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-1765000
CY2023Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
11115000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
3372000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
7603000
CY2024Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
15172000
CY2023Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
24223000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
34939000
us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
36441000
CY2024Q1 us-gaap Stockholders Equity
StockholdersEquity
396604000
CY2024Q2 us-gaap Net Income Loss
NetIncomeLoss
16937000
CY2024Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
550000
CY2024Q2 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
10000
CY2024Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1765000
CY2024Q2 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.20
CY2024Q2 us-gaap Dividends Common Stock
DividendsCommonStock
5088000
CY2024Q2 us-gaap Stockholders Equity
StockholdersEquity
407228000
CY2023Q1 us-gaap Stockholders Equity
StockholdersEquity
352961000
CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
13108000
CY2023Q2 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
474000
CY2023Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
11115000
CY2023Q2 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.18
CY2023Q2 us-gaap Dividends Common Stock
DividendsCommonStock
4495000
CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
373163000
CY2023Q4 us-gaap Stockholders Equity
StockholdersEquity
381517000
us-gaap Net Income Loss
NetIncomeLoss
31567000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
956000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
10000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
3372000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.40
us-gaap Dividends Common Stock
DividendsCommonStock
10174000
CY2024Q2 us-gaap Stockholders Equity
StockholdersEquity
407228000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
349421000
us-gaap Net Income Loss
NetIncomeLoss
28838000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
772000
us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
553000
us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
7603000
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.36
us-gaap Dividends Common Stock
DividendsCommonStock
9117000
CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
373163000
us-gaap Profit Loss
ProfitLoss
31567000
us-gaap Profit Loss
ProfitLoss
28838000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
1474000
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
1249000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-268000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
-416000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
956000
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
772000
us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
-59000
us-gaap Unrealized Gain Loss On Investments
UnrealizedGainLossOnInvestments
58000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
547000
mcbs Writedown Of Foreclosed Real Estate
WritedownOfForeclosedRealEstate
14000
mcbs Gain Loss On Sale Of Residential Mortgages
GainLossOnSaleOfResidentialMortgages
1177000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
24631000
us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
67803000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
25682000
mcbs Proceeds From Sales Of Sba Loans Held For Sale
ProceedsFromSalesOfSbaLoansHeldForSale
70826000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
1051000
mcbs Gain Loss On Sale Of Sba Loans
GainLossOnSaleOfSbaLoans
3023000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
1104000
us-gaap Life Insurance Corporate Or Bank Owned Change In Value
LifeInsuranceCorporateOrBankOwnedChangeInValue
880000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
161000
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
706000
mcbs Increase Decrease In Sba Servicing Rights
IncreaseDecreaseInSbaServicingRights
-143000
mcbs Increase Decrease In Sba Servicing Rights
IncreaseDecreaseInSbaServicingRights
933000
mcbs Increase Decrease In Mortgage Servicing Rights
IncreaseDecreaseInMortgageServicingRights
-181000
mcbs Increase Decrease In Mortgage Servicing Rights
IncreaseDecreaseInMortgageServicingRights
1459000
us-gaap Increase Decrease In Other Current Assets
IncreaseDecreaseInOtherCurrentAssets
-2073000
us-gaap Increase Decrease In Other Current Assets
IncreaseDecreaseInOtherCurrentAssets
-951000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-651000
us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
1120000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
22976000
us-gaap Increase Decrease In Other Current Liabilities
IncreaseDecreaseInOtherCurrentLiabilities
41884000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
55720000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
72733000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
366000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
731000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
2405000
us-gaap Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
-1959000
mcbs Proceeds From Sale Of Other Loans Held For Sale Investing Activities
ProceedsFromSaleOfOtherLoansHeldForSaleInvestingActivities
134696000
mcbs Increase Decrease In Loans Held For Sale For Investing Activities
IncreaseDecreaseInLoansHeldForSaleForInvestingActivities
59558000
mcbs Increase Decrease In Loans Held For Sale For Investing Activities
IncreaseDecreaseInLoansHeldForSaleForInvestingActivities
-34306000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
597000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2629000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
4109000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
72502000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
38476000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
10082000
us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
9053000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
10000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
553000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
14924000
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
31644000
us-gaap Debt Instrument Increase Decrease Other Net
DebtInstrumentIncreaseDecreaseOtherNet
5000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
450000000
mcbs Proceed From Federal Home Loan Bank Advances
ProceedFromFederalHomeLoanBankAdvances
275000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
400000000
mcbs Payment For Federal Home Loan Bank Advances
PaymentForFederalHomeLoanBankAdvances
325000000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
54832000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-27967000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
183054000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
83242000
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
144805000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
179485000
CY2024Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
327859000
CY2023Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
262727000
mcbs Transfer Of Loan Principal To Loans Held For Sale
TransferOfLoanPrincipalToLoansHeldForSale
111252000
mcbs Transfer Of Loan Principal To Foreclosed Real Estate Net Of Write Downs
TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns
235000
us-gaap Interest Paid Net
InterestPaidNet
49350000
us-gaap Interest Paid Net
InterestPaidNet
41124000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
9662000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
7473000
us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1
CY2024Q2 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
114000
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
115000
CY2024Q2 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss
20980000
CY2024Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
3155000
CY2024Q2 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
17825000
CY2023Q4 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss
21378000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
2885000
CY2023Q4 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
18493000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
5794000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
5757000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
6807000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
5441000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost
8379000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities Without Single Maturity Date Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue
6627000
CY2024Q2 us-gaap Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest Before Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss
20980000
CY2024Q2 us-gaap Debt Securities Available For Sale Excluding Accrued Interest
DebtSecuritiesAvailableForSaleExcludingAccruedInterest
17825000
CY2024Q2 mcbs Interest Receivable Available For Sale Securities
InterestReceivableAvailableForSaleSecurities
114000
CY2023Q4 mcbs Interest Receivable Available For Sale Securities
InterestReceivableAvailableForSaleSecurities
115000
CY2024Q2 mcbs Fair Value Of Securities Pledged
FairValueOfSecuritiesPledged
13300000
CY2023Q4 mcbs Fair Value Of Securities Pledged
FairValueOfSecuritiesPledged
13900000
CY2023Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2023Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2024Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2024Q2 mcbs Number Of Securities Sold
NumberOfSecuritiesSold
0
CY2024Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
3155000
CY2024Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
13271000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
2885000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
13856000
CY2024Q2 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
0.192
CY2024Q2 us-gaap Marketable Securities
MarketableSecurities
10300000
CY2023Q4 us-gaap Marketable Securities
MarketableSecurities
10300000
CY2024Q2 us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
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us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
-59000
us-gaap Marketable Securities Unrealized Gain Loss
MarketableSecuritiesUnrealizedGainLoss
58000
CY2024Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
3098569000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
3150961000
CY2024Q2 mcbs Loan And Leases Receivable Deferred Income
LoanAndLeasesReceivableDeferredIncome
8071000
CY2023Q4 mcbs Loan And Leases Receivable Deferred Income
LoanAndLeasesReceivableDeferredIncome
8856000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17960000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18112000
CY2024Q2 us-gaap Notes Receivable Net
NotesReceivableNet
3072538000
CY2023Q4 us-gaap Notes Receivable Net
NotesReceivableNet
3123993000
CY2024Q2 us-gaap Accounts Receivable Noncurrent Accrued Interest After Allowance For Credit Loss
AccountsReceivableNoncurrentAccruedInterestAfterAllowanceForCreditLoss
15200000
CY2023Q4 us-gaap Accounts Receivable Noncurrent Accrued Interest After Allowance For Credit Loss
AccountsReceivableNoncurrentAccruedInterestAfterAllowanceForCreditLoss
15000000.0
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17982000
CY2024Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
83000
CY2024Q2 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
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CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17960000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18947000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
452000
CY2023Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
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CY2023Q2 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
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CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18091000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18112000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
87000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-239000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
17960000
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
18000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-418000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
18091000
CY2024Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
13004000
CY2024Q2 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3090498000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
14682000
CY2023Q4 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3142105000
CY2024Q2 mcbs Financing Receivable Nonaccrual With Allowance
FinancingReceivableNonaccrualWithAllowance
262000
CY2024Q2 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
12742000
CY2024Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
13004000
CY2023Q4 mcbs Financing Receivable Nonaccrual With Allowance
FinancingReceivableNonaccrualWithAllowance
234000
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
14448000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
14682000
CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
212736000
CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
392073000
CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
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CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
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CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
349285000
CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
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CY2024Q2 us-gaap Financing Receivable Excluding Accrued Interest Revolving
FinancingReceivableExcludingAccruedInterestRevolving
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CY2024Q2 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3090498000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year One Originated Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
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CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Two Originated Fiscal Year Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
942661000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
946300000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
374022000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Year Five Originated Four Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
106335000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year
FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
266442000
CY2023Q4 us-gaap Financing Receivable Excluding Accrued Interest Revolving
FinancingReceivableExcludingAccruedInterestRevolving
23555000
CY2023Q4 mcbs Loan And Leases Receivable Net Of Deferred Income
LoanAndLeasesReceivableNetOfDeferredIncome
3142105000
mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
CY2023Q2 mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
CY2024Q2 mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
CY2023Q2 mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
CY2024Q2 mcbs Financing Receivable Modification Number Of Contracts
FinancingReceivableModificationNumberOfContracts
0
mcbs Financing Receivable Impaired Troubled Debt Restructuring Write Down
FinancingReceivableImpairedTroubledDebtRestructuringWriteDown
0
CY2023Q2 mcbs Financing Receivable Impaired Troubled Debt Restructuring Write Down
FinancingReceivableImpairedTroubledDebtRestructuringWriteDown
0
mcbs Financing Receivable Impaired Troubled Debt Restructuring Write Down
FinancingReceivableImpairedTroubledDebtRestructuringWriteDown
0
CY2024Q2 mcbs Financing Receivable Impaired Troubled Debt Restructuring Write Down
FinancingReceivableImpairedTroubledDebtRestructuringWriteDown
0
CY2024Q2 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
6900000
CY2023Q4 us-gaap Servicing Asset At Fair Value Amount
ServicingAssetAtFairValueAmount
6300000
CY2024Q2 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
375000000
CY2023Q4 us-gaap Advances From Federal Home Loan Banks
AdvancesFromFederalHomeLoanBanks
325000000
CY2024Q2 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
1080000000.00
CY2023Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
1050000000.00
CY2024Q2 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
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CY2023Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
2320000000
us-gaap Lessee Operating Lease Existence Of Option To Extend
LesseeOperatingLeaseExistenceOfOptionToExtend
true
CY2024Q2 us-gaap Lessee Operating Lease Renewal Term
LesseeOperatingLeaseRenewalTerm
P5Y
us-gaap Lessee Operating Lease Existence Of Option To Terminate
LesseeOperatingLeaseExistenceOfOptionToTerminate
false
mcbs Lessee Operating Lease Number Of Short Term Leases
LesseeOperatingLeaseNumberOfShortTermLeases
0
CY2024Q2 us-gaap Operating Lease Cost
OperatingLeaseCost
537000
CY2023Q2 us-gaap Operating Lease Cost
OperatingLeaseCost
368000
us-gaap Operating Lease Cost
OperatingLeaseCost
1094000
us-gaap Operating Lease Cost
OperatingLeaseCost
909000
CY2024Q2 us-gaap Variable Lease Cost
VariableLeaseCost
49000
CY2023Q2 us-gaap Variable Lease Cost
VariableLeaseCost
44000
us-gaap Variable Lease Cost
VariableLeaseCost
98000
us-gaap Variable Lease Cost
VariableLeaseCost
88000
CY2024Q2 us-gaap Lease Cost
LeaseCost
586000
CY2023Q2 us-gaap Lease Cost
LeaseCost
412000
us-gaap Lease Cost
LeaseCost
1192000
us-gaap Lease Cost
LeaseCost
997000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths
1982000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Two
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo
1736000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Three
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
1467000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Four
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour
1201000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
704000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due After Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive
1504000
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
8594000
CY2024Q2 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
851000
CY2024Q2 us-gaap Operating Lease Liability
OperatingLeaseLiability
7743000
CY2024Q2 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P5Y8M12D
CY2024Q2 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0358
us-gaap Operating Lease Payments
OperatingLeasePayments
1050000
us-gaap Operating Lease Payments
OperatingLeasePayments
1029000
mcbs Operating Lease Liability Reduction Payments
OperatingLeaseLiabilityReductionPayments
908000
mcbs Operating Lease Liability Reduction Payments
OperatingLeaseLiabilityReductionPayments
898000
CY2024Q2 mcbs Cash Deposits Pledged As Collateral
CashDepositsPledgedAsCollateral
0
CY2024Q2 us-gaap Restricted Cash And Cash Equivalents At Carrying Value
RestrictedCashAndCashEquivalentsAtCarryingValue
36500000
mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Securities Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisSecuritiesGainLossIncludedInEarnings
0
CY2023Q2 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
CY2024Q2 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
CY2023Q2 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
CY2024Q2 mcbs Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Purchases Sales Or Transfers Ne
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisPurchasesSalesOrTransfersNe
0
CY2022 mcbs Capital Conservation Buffer Percentage
CapitalConservationBufferPercentage
0.0250
CY2024Q2 us-gaap Capital
Capital
401894000
CY2024Q2 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1912
CY2024Q2 mcbs Capital Required For Capital Adequacy Including Buffer
CapitalRequiredForCapitalAdequacyIncludingBuffer
220759000
CY2024Q2 mcbs Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.105
CY2024Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
383647000
CY2024Q2 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1825
CY2024Q2 mcbs Tier One Risk Based Capital Required For Capital Adequacy Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer
178710000
CY2024Q2 mcbs Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.085
CY2024Q2 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
383647000
CY2024Q2 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1825
CY2024Q2 mcbs Common Equity Tier One Capital Required For Capital Adequacy Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer
147173000
CY2024Q2 mcbs Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.070
CY2024Q2 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
383647000
CY2024Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1075
CY2024Q2 mcbs Tier One Leverage Capital Required For Capital Adequacy Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer
142731000
CY2024Q2 mcbs Tier One Leverage Capital Required For Capital Adequacy To Average Assets Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer
0.040
CY2023Q4 us-gaap Capital
Capital
372482000
CY2023Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1760
CY2023Q4 mcbs Capital Required For Capital Adequacy Including Buffer
CapitalRequiredForCapitalAdequacyIncludingBuffer
222188000
CY2023Q4 mcbs Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.105
CY2023Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
354055000
CY2023Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1673
CY2023Q4 mcbs Tier One Risk Based Capital Required For Capital Adequacy Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer
179867000
CY2023Q4 mcbs Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.085
CY2023Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
354055000
CY2023Q4 mcbs Common Equity Tier One Capital To Risk Weighted Assets
CommonEquityTierOneCapitalToRiskWeightedAssets
0.1673
CY2023Q4 mcbs Common Equity Tier One Capital Required For Capital Adequacy Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer
148125000
CY2023Q4 mcbs Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets Including Buffer
CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer
0.070
CY2023Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
354055000
CY2023Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1020
CY2023Q4 mcbs Tier One Leverage Capital Required For Capital Adequacy Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer
138790000
CY2023Q4 mcbs Tier One Leverage Capital Required For Capital Adequacy To Average Assets Including Buffer
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer
0.040
CY2024Q2 us-gaap Net Income Loss
NetIncomeLoss
16937000
CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
13108000
us-gaap Net Income Loss
NetIncomeLoss
31567000
us-gaap Net Income Loss
NetIncomeLoss
28838000
CY2024Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25245842
CY2023Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25188567
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25225674
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25166746
CY2024Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.67
CY2023Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.52
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.25
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.15
CY2024Q2 us-gaap Net Income Loss
NetIncomeLoss
16937000
CY2023Q2 us-gaap Net Income Loss
NetIncomeLoss
13108000
us-gaap Net Income Loss
NetIncomeLoss
31567000
us-gaap Net Income Loss
NetIncomeLoss
28838000
CY2024Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25245842
CY2023Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25188567
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25225674
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
25166746
CY2024Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
322691
CY2023Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
288576
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
321497
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
302195
CY2024Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25568533
CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25477143
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25547171
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25468941
CY2024Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.66
CY2023Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.51
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.24
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.13
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2023Q2 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
CY2024Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2024Q2 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2024Q2 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false
CY2024Q2 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false
CY2024Q2 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false

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