MetroCity Bankshares published its FY 2025 annual report on Form 10-K, reporting net income of USD 68.53 million, up 6.2%. Net interest income rose 10.4% to USD 130.45 million and net interest margin increased to 3.72%, up 21 basis points. Noninterest income increased 9.2% to USD 25.18 million, driven by higher loan-sale gains of USD 6.27 million on increased residential mortgage and SBA loan sales. Noninterest expense climbed 18.5% to USD 63.26 million, including USD 4.73 million of merger-related expenses tied to the First IC acquisition. Total assets grew 32.7% to USD 4.77 billion and total deposits rose 33.2% to USD 3.65 billion, reflecting the acquisition of First IC, which added USD 1.13 billion in assets and USD 878.4 million in deposits.

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