Doraville, GA · Cert 58181 · Metrocity Bankshares Inc.
State charter, non-member · FDIC · 27 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 1.1% share · #15 of 81 inst. · $2.8B of $255.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 1.83% | 1.81% | 1.86% | 1.91% | 1.75% | 1.92% | 1.95% | +9 bps | |
| Return on Equity | 16.51% | 15.81% | 15.49% | 15.72% | 15.80% | 15.61% | 18.08% | 17.48% | +176 bps | |
| Net Interest Margin | 3.40% | 3.41% | 3.43% | 3.56% | 3.51% | 3.00% | 3.84% | 3.91% | +35 bps | |
| Efficiency Ratio | 36.65% | 40.12% | 38.42% | 37.22% | 38.72% | 47.00% | 41.39% | 39.24% | +202 bps | |
| Non-Interest Burden | 0.82% | 0.98% | 0.95% | 0.92% | 0.94% | 1.07% | 1.29% | 1.24% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | 2.75% | 0.80% | 0.57% | 1.90% | 31.71% | 27.13% | 23.72% | +2,315 bps | |
| Loan Growth (YoY) | 2.04% | -0.21% | -0.69% | 1.16% | 3.41% | 28.56% | 26.31% | 26.56% | +2,540 bps | |
| Deposit Growth (YoY) | 0.13% | 0.26% | -2.74% | -2.05% | -0.86% | 33.00% | 32.22% | 29.48% | +3,153 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.57% | 0.53% | 0.46% | 0.41% | 0.64% | 0.42% | 0.44% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.01% | 0.03% | 0.00% | 0.03% | -0.01% | -2 bps | |
| Allowance / Loans | 0.60% | 0.59% | 0.59% | 0.60% | 0.56% | 0.69% | 0.67% | 0.65% | +5 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.1x | 1.3x | 1.4x | 1.1x | 1.6x | 1.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.07% | 11.49% | 11.69% | 11.84% | 12.14% | 9.84% | 10.46% | 11.08% | -77 bps | |
| Total Risk-Based Capital | 19.94% | 19.93% | 19.97% | 20.67% | 20.63% | 16.77% | 17.42% | 18.04% | -263 bps | |
| Equity / Assets | 11.39% | 11.70% | 11.67% | 12.01% | 12.23% | 10.38% | 10.82% | 11.53% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.43% | 114.45% | 114.56% | 114.87% | 117.26% | 110.64% | 109.43% | 112.28% | -259 bps | |
| Liquid Assets / Assets | 6.63% | 5.26% | 6.32% | 6.48% | 5.01% | 6.94% | 7.21% | 4.78% | -169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 191.67% | 336% | 314% | n/a | n/a | |