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MetroCity Bankshares MCBS Provision For Unfunded Commitments Expensed

Provision For Unfunded Commitments Expensed at other companies

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CVB FinancialCVBF
$500K0.0%
Great Southern Bancorp logo
Great Southern BancorpGSBC
-$931K-168%
Royalty Pharma logo
Royalty PharmaRPRX
-$3.7M
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Great Southern BancorpGSBC
-$931K-168%
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The BancorpTBBK
$350K-30.0%
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RenasantRNST
$3.72M+854%

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×

Where this comes from

Reported directly by MetroCity Bankshares in its filing.

Tagged under the XBRL concept mcbs:ProvisionForUnfundedCommitmentsExpensed.

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 unfunded commitments expensed?
MetroCity Bankshares (MCBS) reported provision for unfunded commitments expensed of $56K in Q1 2026.
How has MetroCity Bankshares's provision for unfunded commitments expensed changed year-over-year?
MetroCity Bankshares's provision for unfunded commitments expensed decreased by 52.5% year-over-year, from $118K to $56K.
What does provision for unfunded commitments expensed mean?
The expense recognized to cover potential losses associated with off-balance sheet credit commitments, such as unused lines of credit or letters of credit. This metric highlights the bank's risk exposure to potential future funding obligations. It is a proactive measure of credit risk management for non-funded assets.