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MetroCity Bankshares MCBS Provision For Loan Loss Expensed

Provision For Loan Loss Expensed at other companies

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-$3.24M-169%
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$8M0.0%
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$2.66M-43.1%
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$2.66M-43.1%
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$1.38B+20.7%
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$56.59M+9.1%

Other financials

Income statement

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Revenue$49.8M+31.3%
Net income$22.1M+31.5%
EPS (diluted)$0.76+16.9%

Balance sheet

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Cash & equivalents$266.7M-6.8%
Total debt$14.1M+71.9%
Total equity$567.9M+30.2%
Total assets$4.5B+25.0%

Cash flow

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Operating cash flow$24.9M+72.4%
CapEx$1.5M+1,142%
Free cash flow$24.9M+73.8%

Valuation

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Market cap$1.03B+25.3%
Enterprise value$780.11M
P/E12.9×
P/S5.7×

Profitability

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Net margin43.8%-1.4pp
FCF margin41.6%

Returns & leverage

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Return on equity15.9%+0.2pp
Debt / equity0.0×

Where this comes from

Reported directly by MetroCity Bankshares in its filing.

Tagged under the XBRL concept mcbs:ProvisionForLoanLossExpensed.

The source filing: MetroCity Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092674
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total interest expense26,36421,87152,86743,836
Net interest income44,04132,17888,52862,732
Provision for credit losses:
Provision for loan losses(981)216(1,850)233
Provision for unfunded commitments189(87)24531
Provision for credit losses(792)129(1,605)264
Net interest income after provision for credit losses44,83332,04990,13362,468
Noninterest income:

Item 1. Financial Statements

FAQ

What is MetroCity Bankshares's provision for loan loss expensed?
MetroCity Bankshares (MCBS) reported provision for loan loss expensed of -$981K in Q2 2026.
How has MetroCity Bankshares's provision for loan loss expensed changed year-over-year?
MetroCity Bankshares's provision for loan loss expensed decreased by 554.2% year-over-year, from $216K to -$981K.
What does provision for loan loss expensed mean?
Provision For Loan Loss Expensed as reported by METROCITY BANKSHARES INC.

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