What does gain loss on sale of residential mortgages mean?

This metric captures the net realized gain or loss from the sale of residential mortgage loans into the secondary market. It highlights the bank's ability to generate non-interest income through mortgage banking activities and market-driven pricing strategies.

MetroCity Bankshares MCBS Gain Loss On Sale Of Residential Mortgages

Gain Loss On Sale Of Residential Mortgages at other companies

Mercantile Bank CorporationMBWM

$3.06M+24.0%

Horizon BancorpHBNC

$1.09M+1.3%

First Financial CorporationTHFF

$294K+30.7%

First Commonwealth FinancialFCF

$1.82M+25.9%

First Busey CorporationBUSE

$438K+33.1%

Bank First CorporationBFC

$1.08M+222%

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 mcbs:GainLossOnSaleOfResidentialMortgages.

The official record: MetroCity Bankshares’s 10-K, filed March 16, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is MetroCity Bankshares's gain loss on sale of residential mortgages?: MetroCity Bankshares (MCBS) reported gain loss on sale of residential mortgages of $2.81M in Q4 2025.
What does gain loss on sale of residential mortgages mean?: This metric captures the net realized gain or loss from the sale of residential mortgage loans into the secondary market. It highlights the bank's ability to generate non-interest income through mortgage banking activities and market-driven pricing strategies.