Filing Flows › MetroCity Bankshares (MCBS) › Q3 2026 › vs Q3 2025
MetroCity Bankshares (MCBS) Q3 2026 vs Q3 2025 (year over year)
MetroCity Bankshares's revenue rose $10.0M (+26%) from $38.0M in Q3 2025 to $47.9M in Q3 2026. The biggest changes: Net interest income +$11.8M (+37%); Noninterest income −$1.8M (-29%). Operating margin 58.3% against 62.8% (-4.4 pts).
MetroCity Bankshares, Q3 2026: revenue $47.9M (+26% year over year), operating margin 58.3%, net earnings $24.3M, operating cash flow −$16.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 58.3% | 62.8% | -4.4 pts |
| Net margin | 50.7% | 45.5% | +5.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $43.6M | $31.8M | $11.8M | +37% |
| Noninterest income | $4.4M | $6.2M | −$1.8M | -29% |
| Revenue | $47.9M | $38.0M | $10.0M | +26% |
| Operating profit | $28.0M | $23.8M | $4.1M | +17% |
| Costs & expenses | $20.0M | $14.1M | $5.8M | +41% |
| Pre-tax earnings | $28.0M | $23.8M | $4.1M | +17% |
| Net earnings | $24.3M | $17.3M | $7.0M | +41% |
| Income tax | $3.7M | $6.6M | −$2.9M | -44% |
| Operating cash sources | $43.8M | $2.7M | $41.1M | 16× |
| Depreciation & amortization | $1.9M | $970K | $941K | +97% |
| Share-based compensation | $928K | $939K | −$11K | -1% |
| Cash used in operations | $16.6M | −$16.5M | $33.1M | — |
| Working capital & other | $43.8M | $2.7M | $41.1M | 16× |
Questions
How much did MetroCity Bankshares's revenue grow year over year in Q3 2026?
MetroCity Bankshares's revenue rose $10.0M (+26%) from $38.0M in Q3 2025 to $47.9M in Q3 2026.
What drove MetroCity Bankshares's revenue change in Q3 2026?
Net interest income +$11.8M (+37%); Noninterest income −$1.8M (-29%).