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MetroCity Bankshares (MCBS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · MetroCity Bankshares (MCBS) Q3 2026 earnings results →
Q3 2026 Revenue up 26% year over year to $47.9M · 51¢ of every $1 of revenue kept as net profit · operating margin 58.3%
MetroCity Bankshares made $47.9M in Q3 2026 (+26% Y/Y): Net interest income $43.6M, Noninterest income $4.4M. Operating margin 58.3%, net earnings $24.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $47.9M in Q3 2026, up 26% year over year and down 4% from the previous quarter. Net interest income was the largest line at 91% of revenue. Net interest income added $11.8M year over year (up 37%), 118% of the total change. Noninterest income declined 29%.
Operating profit was $28.0M, a 58.3% margin (down 4.4 points year over year). Of the extra revenue versus a year earlier, 41% reached operating profit, below the 63% margin then. Total costs grew 41% against revenue growth of 26%. Net earnings were $24.3M, up 41% year over year. The effective tax rate was 13.1%.
Operating cash flow was −$16.6M. Non-cash charges added back $1.9M of depreciation and amortization and $928K of share-based compensation. Working capital and other items used $43.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $47.9M | +26% | 58.3% | $24.3M | −$16.6M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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📈Investments: gains and what it boughtinteractive
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About MetroCity Bankshares
MetroCity Bankshares, Inc. (the “Company”), a bank holding company incorporated in 2014 and headquartered in the Atlanta metropolitan area. We primarily operate through our wholly-owned banking subsidiary, Metro City Bank, a Georgia state-chartered commercial bank that was founded in 2006 (the “Bank”). We currently operate 29 full-service branch locations in multi-ethnic communities in Alabama, California, Florida, Georgia, New York, New Jersey, Texas and Virginia. As of December 31, 2025, we had total assets of $4.77 billion, total loans held for investment of $4.08 billion, total deposits of $3.65 billion and total shareholders’ equity of $544.2 million.
In its own words, from its 10-K, filed Mar 16, 2026.
MetroCity Bankshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +26% against the peers' median +12%. Operating margin: 58.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| MCBS MetroCity Bankshares | Q3 2026 | $47.9M | +26% | 58.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: MetroCity Bankshares 10-Q on SEC EDGAR · CIK 1747068 · State Commercial Banks
Guidance and outlook
13F: who owns MCBS and who is buying
More on MCBS
History
Every quarter: Q3 2026 results