What does payments for interest rate cap premiums mean?

Captures the cash outflows associated with purchasing interest rate cap agreements to hedge against rising interest rate risks. By paying these premiums, the bank protects its net interest margin from volatility in variable-rate liabilities. This reflects the bank's risk management strategy regarding interest rate exposure.

MetroCity Bankshares MCBS Payments For Interest Rate Cap Premiums

Payments For Interest Rate Cap Premiums at other companies

StandardAeroSARO

$1.73M-37.1%

ALX

Alexander'sALX

$0-100%

Ryan Specialty HoldingsRYAN

$0-100%

Accel EntertainmentACEL

$0-100%

StandardAeroSARO

$1.63M-39.5%

Ramaco ResourcesMETC

$8.2M—

Other financials

Income statement

See full

Revenue$50.8M+41.2%

Net income$22.3M+36.9%

EPS (diluted)$0.77+22.2%

Balance sheet

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Cash & equivalents$387.6M+36.0%

Total debt$14.5M+82.3%

Total equity$554.2M+29.5%

Total assets$4.7B+28.1%

Cash flow

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Operating cash flow$45.8M+285%

CapEx-$733.0K-1,147%

Free cash flow$45.1M+281%

Valuation

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Market cap$1.01B+22.3%

Enterprise value$634.89M—

P/E13.5×—

P/S5.9×—

Profitability

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Net margin43.7%-2.0pp

FCF margin41.6%—

Returns & leverage

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Return on equity15.2%-0.9pp

Debt / equity0×0.0×

Where this comes from

Reported directly by MetroCity Bankshares in its filing.

Tagged under the XBRL concept mcbs:PaymentsForInterestRateCapPremiums.

The official record: MetroCity Bankshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is MetroCity Bankshares's payments for interest rate cap premiums?: MetroCity Bankshares (MCBS) reported payments for interest rate cap premiums of $1.12M in Q1 2025.
What does payments for interest rate cap premiums mean?: Captures the cash outflows associated with purchasing interest rate cap agreements to hedge against rising interest rate risks. By paying these premiums, the bank protects its net interest margin from volatility in variable-rate liabilities. This reflects the bank's risk management strategy regarding interest rate exposure.