← MetroCity Bankshares, Inc.
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash and cash equivalents | $138.4m | $276.4m | $150.7m | $441.3m | $179.5m | $144.8m | $249.9m | $383.7m | |
| Accrued interest receivable | $5.0m | $5.1m | $10.7m | $11.1m | $13.2m | $15.1m | $15.9m | $20.3m | |
| Goodwill | — | — | — | — | — | — | — | $56.0m | |
| Core deposit intangible | — | — | — | — | — | — | — | $12.6m | |
| Operating lease right-of-use asset | — | $12.0m | $10.3m | $9.3m | $8.5m | $8.5m | $7.8m | $15.2m | |
| Other assets | $2.9m | $2.4m | $5.2m | $5.4m | $9.7m | $10.6m | $10.9m | $29.4m | |
| Cash and due from banks | $130.3m | $270.5m | $140.7m | $432.5m | $151.0m | $142.2m | $236.3m | $370.8m | |
| Federal funds sold | $8.2m | $5.9m | $9.9m | $8.8m | $28.5m | $2.7m | $13.5m | $12.8m | |
| Equity securities | — | — | $0 | $11.4m | $10.3m | $10.3m | $10.3m | $18.6m | |
| Securities available for sale (at fair value) | $18.9m | $15.7m | $18.1m | $25.7m | $19.2m | $18.5m | $17.4m | $47.2m | |
| Loans held for sale | $56.9m | $85.8m | — | — | — | $22.3m | — | $9.7m | |
| Loans, less allowance for credit losses of $27,843 and $18,744, respectively | — | — | — | — | $3.0b | $3.1b | $3.1b | $4.0b | |
| Federal Home Loan Bank stock | $1.2m | $3.8m | $6.1m | $19.7m | $17.5m | $17.8m | $20.3m | $27.6m | |
| Premises and equipment, net | $14.4m | $14.5m | $13.9m | $13.1m | $14.3m | $18.1m | $18.3m | $29.9m | |
| Foreclosed real estate, net | — | $423k | $3.8m | $3.6m | $4.3m | $1.5m | $427k | $208k | |
| SBA and USDA servicing asset, net | $8.4m | $8.2m | $9.6m | $10.2m | $7.1m | $7.3m | $7.3m | $10.6m | |
| Mortgage servicing asset, net | $14.9m | $18.1m | $13.0m | $7.7m | $4.0m | $1.3m | $1.4m | $1.7m | |
| Bank owned life insurance | $19.7m | $20.2m | $35.8m | $59.4m | $69.1m | $71.0m | $73.3m | $75.8m | |
| Interest rate derivatives | — | — | — | $367k | $28.8m | $31.8m | $21.8m | $6.3m | |
| Noninterest-bearing demand | $299.2m | $292.0m | $462.9m | $592.4m | $612.0m | $512.0m | $536.3m | $780.8m | |
| Interest-bearing | $945.0m | $1.0b | $1.0b | $1.7b | $2.1b | $2.2b | $2.2b | $2.9b | |
| Federal Home Loan Bank advances | $0 | $60.0m | $110.0m | $500.0m | $375.0m | $325.0m | $375.0m | $510.0m | |
| Operating lease liability | — | $12.5m | $10.9m | $9.9m | $8.9m | $8.7m | $7.9m | $15.3m | |
| Other liabilities | $14.3m | $31.3m | $51.2m | $42.4m | $24.0m | $52.6m | $49.5m | $42.2m | |
| Total deposits | $1.2b | $1.3b | $1.5b | $2.3b | $2.7b | $2.7b | $2.7b | $3.6b | |
| Total shareholders' equity | $168.6m | $216.7m | $244.8m | $290.2m | $349.4m | $381.5m | $421.4m | $544.2m | |
| Total assets | $1.4b | $1.6b | $1.9b | $3.1b | $3.4b | $3.5b | $3.6b | $4.8b | |
| Accrued interest payable | $1.3m | $890k | $222k | $204k | $2.7m | $4.1m | $3.5m | $10.7m | |
| Total liabilities | $1.3b | $1.4b | $1.7b | $2.8b | $3.1b | $3.1b | $3.2b | $4.2b | |
| Common stock, $0.01 par value, 40,000,000 shares authorized, 28,817,967 and 25,402,782 shares issued and outstanding, respectively | 242k | 255k | 257k | 255k | 252k | 252k | 254k | 1.2m | |
| Additional paid-in capital | $39.9m | $53.9m | $55.7m | $51.6m | $45.3m | $45.7m | $49.2m | $138.7m | |
| Retained earnings | $128.6m | $162.6m | $188.7m | $238.6m | $285.8m | $315.4m | $358.7m | $402.7m | |
| Accumulated other comprehensive income | ($104k) | ($1k) | $195k | ($168k) | $18.0m | $20.2m | $13.2m | $1.7m | |
| Total liabilities and shareholders' equity | $1.4b | $1.6b | $1.9b | $3.1b | $3.4b | $3.5b | $3.6b | $4.8b |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.