What does gain loss on sale of mortgage loans mean?

Net gains or losses recognized from the sale of mortgage loans into the secondary market. This represents a non-interest income stream derived from the bank's mortgage banking activities. It reflects the bank's ability to originate and sell loans profitably in the current interest rate environment.

MetroCity Bankshares MCBS Gain Loss On Sale Of Mortgage Loans

Gain Loss On Sale Of Mortgage Loans at other companies

Mercantile Bank CorporationMBWM

$3.06M+24.0%

Capital City Bank GroupCCBG

$4.25M+11.3%

National Bank HoldingsNBHC

$2.74M-17.3%

Mid Penn BancorpMPB

——

Customers BancorpCUBI

——

First Merchants CorporationFRME

——

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:GainLossOnSaleOfMortgageLoans.

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 mortgage loans?: MetroCity Bankshares (MCBS) reported gain loss on sale of mortgage loans of $2.81M in Q4 2025.
What does gain loss on sale of mortgage loans mean?: Net gains or losses recognized from the sale of mortgage loans into the secondary market. This represents a non-interest income stream derived from the bank's mortgage banking activities. It reflects the bank's ability to originate and sell loans profitably in the current interest rate environment.