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MetroCity Bankshares MCBS Proceeds From Sales Of Sba Loans Held For Sale

Proceeds From Sales Of Sba Loans Held For Sale at other companies

Ameris Bancorp logo
Ameris BancorpABCB
$1.92M-87.6%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$353K-68.4%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$353K-68.4%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$353K-68.4%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$353K-68.4%
First United logo
First UnitedFUNC
$409K-86.6%

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+24.8%
Enterprise value$776.08M
P/E12.9×
P/S5.6×

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:ProceedsFromSalesOfSbaLoansHeldForSale.

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 itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Write-down of foreclosed real estate93(28)
Gain on sale of residential real estate loans(978)
Origination of SBA loans held for sale(35,750)(28,861)
Proceeds from sales of SBA loans held for sale45,37233,600
Gain on sale of SBA loans(2,581)(1,301)
Increase in cash value of bank owned life insurance(1,280)(1,235)
(Increase) decrease in accrued interest receivable183(670)
(Increase) decrease in SBA and USDA servicing rights(579)451

Item 1. Financial Statements

FAQ

What is MetroCity Bankshares's proceeds from sales of sba loans held for sale?
MetroCity Bankshares (MCBS) reported proceeds from sales of sba loans held for sale of $25.64M in Q2 2026.
How has MetroCity Bankshares's proceeds from sales of sba loans held for sale changed year-over-year?
MetroCity Bankshares's proceeds from sales of sba loans held for sale increased by 9.2% year-over-year, from $23.49M to $25.64M.
What is the long-term trend for MetroCity Bankshares's proceeds from sales of sba loans held for sale?
Over 3 years (2021 to 2025), MetroCity Bankshares's proceeds from sales of sba loans held for sale has grown at a -27.3% compound annual growth rate (CAGR), from $138.01M to $53.07M.
What does proceeds from sales of sba loans held for sale mean?
This metric represents the total cash inflows generated from the sale of Small Business Administration (SBA) guaranteed loans to third-party investors. It reflects the volume of the bank's government-guaranteed lending activity and its strategy for managing balance sheet liquidity.

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