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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

6.07%Q2 ’245.98%Q2 ’256.22%Q2 ’26+3%+10%

Non-interest income vs. expense

1.46%Q2 ’241.56%Q2 ’251.76%Q2 ’26+12%+34%

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 1.95%, up 9 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.44% of loans (-2 bps YoY), with net recoveries of 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 (quarter, annualized)

1.95%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+35 bps YoY

Efficiency Ratio (quarter, annualized)

39.24%+202 bps YoY

Tier 1 Leverage Ratio

11.08%-77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.91%1.75%1.92%1.95%+9 bps
Return on Equity15.72%15.80%15.61%18.08%17.48%+176 bps
Net Interest Margin3.56%3.51%3.00%3.84%3.91%+35 bps
Efficiency Ratio37.22%38.72%47.00%41.39%39.24%+202 bps
Non-Interest Burden0.92%0.94%1.07%1.29%1.24%+32 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%0.03%0.00%0.03%-0.01%-2 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