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MetroCity Bankshares MCBS Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

East-West Bancorp logo
East-West BancorpEWBC
$635.19M+15.2%
Hanmi Financial logo
Hanmi FinancialHAFC
$60.31M+15.2%
Hope Bancorp logo
Hope BancorpHOPE
$115.41M+20.2%
CTB
Community Trust BancorpCTBI
$56.47M+18.4%
Mercantile Bank Corporation logo
Mercantile Bank CorporationMBWM
$57.7M+24.2%
Eagle Bancorp logo
Eagle BancorpEGBN
$52.09M+31.2%

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×

Where this comes from

Reported directly by MetroCity Bankshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
MetroCity Bankshares (MCBS) reported net interest income (after provisions) of $45.3M in Q1 2026.
How has MetroCity Bankshares's net interest income (after provisions) changed year-over-year?
MetroCity Bankshares's net interest income (after provisions) increased by 48.9% year-over-year, from $30.42M to $45.3M.
What is the long-term trend for MetroCity Bankshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), MetroCity Bankshares's net interest income (after provisions) has grown at a 7.7% compound annual growth rate (CAGR), from $97.24M to $130.77M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for credit losses, representing the net revenue available after accounting for expected loan defaults. This metric provides a more accurate view of the bank's sustainable profitability by incorporating the cost of credit risk. It is a vital indicator of the bank's risk-adjusted performance.