Balance Sheet
Accounts PayablesAccumulated ExpensesAssetsCash & Current InvestmentsCash & EquivalentsCash Due from BankCommon EquityFed Funds SoldGoodwillGoodwill & IntangiblesIntangiblesLiabilities and Shareholders EquityLoans - GrossLoans - Loss AllowanceLoans - NetLoans - NetLong-Term InvestmentsNon-Current DebtOperating LeasesOther Non-Current AssetsOther Non-Current LiabilitiesPayablesProperty, Plant & Equipment (Net)Property, Plant & Equipment (Net)Receivables - AccuredReceivables - OtherRetained EarningsSecuritiesSecurities - Mortgage Backed SecuritiesSecurities - TradableShareholder's EquityShares OutstandingShort-term InvestmentsTotal DebtTotal LiabilitiesTotal Non-Current LiabilitiesTreasury Shares
Cash Flow Statement
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Ratios

MetroCity Bankshares (MCBS) Loans - Loss Allowance (2018 - 2025)

MetroCity Bankshares (MCBS) has disclosed Loans - Loss Allowance for 8 consecutive years, with $27.8 million as the latest value for Q4 2025.

  • Quarterly Loans - Loss Allowance rose 48.89% to $27.8 million in Q4 2025 from the year-ago period, while the trailing twelve-month figure was $27.8 million through Dec 2025, up 48.89% year-over-year, with the annual reading at $27.8 million for FY2025, 48.89% up from the prior year.
  • Loans - Loss Allowance for Q4 2025 was $27.8 million at MetroCity Bankshares, up from $17.9 million in the prior quarter.
  • The five-year high for Loans - Loss Allowance was $27.8 million in Q4 2025, with the low at $11.7 million in Q1 2021.
  • Average Loans - Loss Allowance over 5 years is $17.5 million, with a median of $18.0 million recorded in 2024.
  • The sharpest move saw Loans - Loss Allowance surged 76.09% in 2021, then decreased 18.07% in 2022.
  • Over 5 years, Loans - Loss Allowance stood at $17.0 million in 2021, then fell by 18.07% to $13.9 million in 2022, then soared by 30.41% to $18.1 million in 2023, then rose by 3.25% to $18.7 million in 2024, then soared by 48.89% to $27.8 million in 2025.
  • According to Business Quant data, Loans - Loss Allowance over the past three periods came in at $27.8 million, $17.9 million, and $18.7 million for Q4 2025, Q3 2025, and Q2 2025 respectively.