Skip to content

MetroCity Bankshares MCBS Provision for Credit Losses

Provision for Credit Losses at other companies

East-West Bancorp logo
East-West BancorpEWBC
$36M-26.5%
Hanmi Financial logo
Hanmi FinancialHAFC
-$271K-183%
Mercantile Bank Corporation logo
Mercantile Bank CorporationMBWM
-$1.8M-186%
Eagle Bancorp logo
Eagle BancorpEGBN
$13.38M-49.0%
Center Bancorp logo
Center BancorpCNOB
$5.2M+48.6%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$712K-7.3%

Other financials

Income statement

See full
Revenue$50.8M+41.2%
Net income$22.3M+36.9%
EPS (diluted)$0.77+22.2%

Balance sheet

See full
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

See full
Operating cash flow$45.8M+285%
CapEx-$733.0K-1,147%
Free cash flow$45.1M+281%

Valuation

See full
Market cap$1.01B+22.3%
Enterprise value$634.89M
P/E13.5×
P/S5.9×

Profitability

See full
Net margin43.7%-2.0pp
FCF margin41.6%

Returns & leverage

See full
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 us-gaap:ProvisionForLoanLossesExpensed.

The official record: MetroCity Bankshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

Ask your AI about MetroCity Bankshares's provision for credit losses.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is MetroCity Bankshares's provision for credit losses?
MetroCity Bankshares (MCBS) reported provision for credit losses of -$813K in Q1 2026.
How has MetroCity Bankshares's provision for credit losses changed year-over-year?
MetroCity Bankshares's provision for credit losses decreased by 702.2% year-over-year, from $135K to -$813K.
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.