What is MetroCity Bankshares's loans held for sale?

MetroCity Bankshares (MCBS) reported loans held for sale of $9.74M in Q4 2025.

What does loans held for sale mean?

Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.

MetroCity Bankshares MCBS Loans held for sale

Loans held for sale at other companies

East-West BancorpEWBC

$27.59M—

Hanmi FinancialHAFC

$4.93M-58.3%

Hope BancorpHOPE

$97.45M+53,154%

CTB

Community Trust BancorpCTBI

$73K—

Eagle BancorpEGBN

$55.7M+265%

Center BancorpCNOB

$10.22M+4,960%

Other financials

Income statement

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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 us-gaap:LoansReceivableHeldForSaleAmount.

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 loans held for sale?: MetroCity Bankshares (MCBS) reported loans held for sale of $9.74M in Q4 2025.
What does loans held for sale mean?: Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.