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Metro City Bank

Doraville, GA · Cert 58181 · Metrocity Bankshares Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metro City Bank

Doraville, GA · Cert 58181 · Metrocity Bankshares Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

$4.5BAssets
$4.0BLoans
$3.5BDeposits
$515.0MEquity
Loan mix
98%RE $3.9B2%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $2.7B23%Noninterest $0.8BQ2 2025Q2 2026

NIM

5.97%Q2 ’245.90%Q2 ’256.25%Q2 ’26+7%+13%

Non-interest income vs. expense

1.42%Q2 ’241.54%Q2 ’251.83%Q2 ’26+18%+38%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 1.1% share · #15 of 81 inst. · $2.8B of $255.1B

8.8% DeKalb
4.3% Gwinnett
0.1% Fulton
2.6% Lee

Executive Summary

  • Earnings: ROA of 1.94%, up 10 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.44% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.08%, down 77 bps from a year ago.
  • Funding: loans stand at 112.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.94%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+45 bps YoY

Efficiency Ratio (YTD, annualized)

40.33%+253 bps YoY

Tier 1 Leverage Ratio

11.08%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.86%1.79%1.92%1.94%+10 bps
Return on Equity15.60%15.66%15.55%18.08%17.77%+217 bps
Net Interest Margin3.47%3.48%2.72%3.84%3.93%+45 bps
Efficiency Ratio37.80%38.11%40.61%41.39%40.33%+253 bps
Non-Interest Burden0.93%0.93%0.79%1.29%1.28%+35 bps
Growth
Asset Growth (YoY)0.57%1.90%31.71%27.13%23.72%+2,315 bps
Loan Growth (YoY)1.16%3.41%28.56%26.31%26.56%+2,540 bps
Deposit Growth (YoY)-2.05%-0.86%33.00%32.22%29.48%+3,153 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.41%0.64%0.42%0.44%-2 bps
Net Charge-Offs / Loans0.01%0.02%0.01%0.03%0.01%-1 bps
Allowance / Loans0.60%0.56%0.69%0.67%0.65%+5 bps
Allowance Coverage of NPLs1.3x1.4x1.1x1.6x1.5x+0.2x
Capital
Tier 1 Leverage Ratio11.84%12.14%9.84%10.46%11.08%-77 bps
Total Risk-Based Capital20.67%20.63%16.77%17.42%18.04%-263 bps
Equity / Assets12.01%12.23%10.38%10.82%11.53%-48 bps
Liquidity & Funding
Loans / Deposits114.87%117.26%110.64%109.43%112.28%-259 bps
Liquid Assets / Assets6.48%5.01%6.94%7.21%4.78%-169 bps
CRE / Total Capitaln/a191.67%336%314%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Metro City Bank

Doraville, GA · Cert 58181 · Peer group: banks $1B-$10B in assets (n=322-328) · Metrocity Bankshares Inc.

State charter, non-member · FDIC · 27 branches

Q2 2026

$4.5BAssets
$4.0BLoans
$3.5BDeposits
$515.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks $1B-$10B in assets (rank 22 of 328).
  • Widest gap: nonperforming loans / loans trails 42% of banks $1B-$10B in assets (rank 135 of 322).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.00%

Rank 24 of 328

Net Interest Margin

3.93%

Rank 67 of 328

Efficiency Ratio

40.96%

Rank 22 of 328

Equity / Assets

11.53%

Rank 106 of 328

Non-interest income vs. expense

$24.6M$82.6MINCOMEEXPENSE
Unfavorable gap of $58.0M · efficiency ratio beats 94% of banks $1B-$10B in assets
Bank 40.96%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.00%0.91%1.22%1.52%Beats 93%24 / 328
Return on Equity17.32%8.43%11.45%14.43%Beats 89%36 / 328
Net Interest Margin3.93%3.03%3.45%3.83%Beats 80%67 / 328
Efficiency Ratio40.96%51.61%59.56%67.53%Beats 94%22 / 328
Asset Quality
Nonperforming Loans / Loans0.44%0.24%0.51%1.03%Beats 58%135 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 77%76 / 322
Capital
Tier 1 Capital Ratio17.14%11.75%13.15%15.47%Beats 84%51 / 328
Total Risk-Based Capital Ratio18.04%12.63%14.15%16.46%Beats 84%52 / 328
Equity / Assets11.53%9.15%10.33%12.01%Beats 68%106 / 328
Liquidity & Funding
Loans / Deposits112.28%76.63%87.92%95.36%96th pctl14 / 323
Loans / Assets88.69%65.18%74.15%79.98%97th pctl10 / 328
Brokered Deposits / Depositsn/aNot reported for this institution