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MetroCity Bankshares MCBS Provision For Loan Loss Expensed

Provision For Loan Loss Expensed at other companies

NBT
NBT BancorpNBTB
$5.58M-26.2%
Nelnet logo
NelnetNNI
$53.24M+247%
Hilltop Holdings logo
Hilltop HoldingsHTH
$1.76M-81.2%
Central Pacific Financial logo
Central Pacific FinancialCPF
$2.35M-43.6%
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$2.74M-84.5%
Paccar logo
PaccarPCAR
$44.1M+141%

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:ProvisionForLoanLossExpensed.

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 provision for loan loss expensed?
MetroCity Bankshares (MCBS) reported provision for loan loss expensed of -$869K in Q1 2026.
How has MetroCity Bankshares's provision for loan loss expensed changed year-over-year?
MetroCity Bankshares's provision for loan loss expensed decreased by 5211.8% year-over-year, from $17K to -$869K.
What does provision for loan loss expensed mean?
An accounting charge taken to increase the allowance for loan and lease losses based on management's assessment of potential credit risk within the loan portfolio. This expense reflects the bank's expectation of future credit defaults and is a key indicator of asset quality and risk management. It directly impacts the bank's bottom-line profitability.