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MetroCity Bankshares MCBS Net Interest Income (After Provisions)
Net Interest Income (After Provisions) at other companies
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Where this comes from
Reported directly by MetroCity Bankshares in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.
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 item | Three Months Ended / June 30, 2026 | Three Months Ended / June 30, 2025 | Six Months Ended / June 30, 2026 | Six Months Ended / June 30, 2025 |
|---|---|---|---|---|
| Provision for loan losses | (981) | 216 | (1,850) | 233 |
| Provision for unfunded commitments | 189 | (87) | 245 | 31 |
| Provision for credit losses | (792) | 129 | (1,605) | 264 |
| Net interest income after provision for credit losses | 44,833 | 32,049 | 90,133 | 62,468 |
| Noninterest income: | ||||
| Service charges on deposit accounts | 958 | 505 | 1,806 | 1,005 |
| Other service charges, commissions and fees | 1,428 | 1,620 | 3,009 | 3,216 |
| Gain on sale of residential mortgage loans | — | 579 | — | 978 |
Item 1. Financial Statements
FAQ
- What is MetroCity Bankshares's net interest income (after provisions)?
- MetroCity Bankshares (MCBS) reported net interest income (after provisions) of $44.83M in Q2 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 39.9% year-over-year, from $32.05M to $44.83M.
- 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.
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