MetroCity Bankshares (MCBS)
A Georgia community bank lending to Korean-American and multi-ethnic small businesses.
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Runs a Doraville, Georgia community bank serving Korean-American and multi-ethnic small businesses across the Eastern U.S. and Texas, earning through SBA-guaranteed lending, non-conforming residential mortgages, and mortgage-warehouse credit lines. Recently absorbed a hometown rival, roughly doubling its combined balance sheet.
Operates as the holding company for a Georgia state-chartered community bank built around Korean-American and multi-ethnic small-business communities across the Eastern U.S. and Texas, extending relationship-first, culturally attuned lending to retail operators such as grocers, restaurants, car washes, and hospitality businesses.
Earnings come from a specialized mix uncommon among community banks: SBA- and USDA-guaranteed loans to small businesses, non-conforming residential mortgages held rather than sold into conforming channels, and warehouse credit lines extended to mortgage originators, a wholesale fee product that ties results to mortgage-origination cycles.
Founded in 2006 and taken public in 2019, the bank absorbed a hometown rival at the end of 2025, roughly doubling its combined asset base and adding a sizable commercial-lending book alongside its existing residential-heavy portfolio.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $280.6M · Total debt $403.3M · Total assets $4.52B · Shareholders' equity $567.9M
- Revenue
- $70.4M
- Operating income
- $24.9M
- Net income
- $22.1M
HistoryDividendAnnual yield
| Institutions | ≈ 27.58% | 7.90M shares | |
|---|---|---|---|
| 120 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 21.64% | 6.20M shares | |
| 15 holders · as of Jun 2, 2026 | |||
| Other | ≈ 50.78% | 14.56M shares | |
| remainder | |||
28.66M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 6.32% | 1.81M | as of Jun 30, 2026 |
Nack Y. Paek1Insiderdirector, officer: Chief Executive Officer | 4.80% | 1.38M | filed Jun 2, 2026 |
Farid TanInsiderdirector, officer: President | 3.51% | 1.01M | filed Jun 2, 2026 |
Vanguard Capital Management LLCInstitution | 3.33% | 955,631 | as of Jun 30, 2026 |
Don LeungInsiderdirector | 2.85% | 817,330 | filed Jun 2, 2026 |
- Reported at 4.63% on Feb 4, 2026, under the 5% line, so no further filing is required.
Insider tradesForm 4
No open-market trades in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| MetroCity Bankshares | $35.21 | +0.69% | $1.00B | 12.1 | 10.7 | 3.8 | +31.4% |
| Hanmi Financial | $32.29 | +0.22% | $959.1M | 10.8 | 9.9 | 2.5 | +10.1% |
| Bank of Hope | $13.88 | +0.42% | $1.77B | 13.8 | 10.7 | 1.7 | +56.3% |
| RBB | $26.87 | +0.45% | $453.0M | 11.0 | 11.4 | 1.9 | +11.5% |
| Cathay General Bancorp | $61.37 | −0.18% | $4.12B | 12.0 | 10.7 | 3.0 | +12.5% |
| East West Bancorp | $126.22 | −1.21% | $17.50B | 12.3 | 11.6 | 3.7 | +12.5% |
| Preferred Bank | $106.75 | +0.36% | $1.26B | 9.7 | 9.9 | 2.5 | +4.0% |
| Median | 11.5 | 10.7 | 2.5 | +12.0% |