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MetroCity Bankshares MCBS Provision for Credit Losses
Provision for Credit Losses at other companies
Other financials
Where this comes from
Reported directly by MetroCity Bankshares in its filing.
Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.
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 item | Three Months Ended / June 30, 2026 | Three Months Ended / June 30, 2025 | Six Months Ended / June 30, 2026 | Six Months Ended / June 30, 2025 |
|---|---|---|---|---|
| Provision for credit losses: | ||||
| Provision for loan losses | (981) | 216 | (1,850) | 233 |
| Provision for unfunded commitments | 189 | (87) | 245 | 31 |
| Provision for credit losses | (792) | 129 | (1,605) | 264 |
| Net interest income after provision for credit losses | 44,833 | 32,049 | 90,133 | 62,468 |
| Noninterest income: | ||||
| Service charges on deposit accounts | 958 | 505 | 1,806 | 1,005 |
| Other service charges, commissions and fees | 1,428 | 1,620 | 3,009 | 3,216 |
Item 1. Financial Statements
FAQ
- What is MetroCity Bankshares's provision for credit losses?
- MetroCity Bankshares (MCBS) reported provision for credit losses of -$792K in Q2 2026.
- How has MetroCity Bankshares's provision for credit losses changed year-over-year?
- MetroCity Bankshares's provision for credit losses decreased by 466.7% year-over-year, from $216K to -$792K.
- What is the long-term trend for MetroCity Bankshares's provision for credit losses?
- Over 3 years (2021 to 2025), MetroCity Bankshares's provision for credit losses has grown at a -64.2% compound annual growth rate (CAGR), from $6.93M to -$318K.
- What does provision for credit losses mean?
- Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.
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