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Jun 30
Metrocity Q2 2025 Earnings Report
MetroCity reported stable earnings and improved net interest margin in Q2 2025.
Key Takeaways
MetroCity Bankshares delivered solid Q2 2025 results with net income of $16.8 million and EPS of $0.65. The bank improved its net interest margin and maintained strong asset quality, although nonperforming assets rose slightly year-over-year.
Net income reached $16.8 million, slightly down 0.7% from Q2 2024.
Net interest margin improved to 3.77% from 3.66% in Q2 2024.
Efficiency ratio stood at 37.2%, reflecting disciplined cost management.
Nonperforming assets totaled $15.2 million, representing 0.42% of total assets.
Metrocity
Metrocity
Metrocity Revenue by Segment
Revenue by Segment
Loans including fees Revenue
CapyFin.comOther investment income Revenue
CapyFin.comFederal funds sold Revenue
CapyFin.com Forward Guidance
MetroCity expects continued margin improvement and stable asset quality, supported by disciplined cost management and loan portfolio stability.
Positive Outlook
- Improving net interest margin driven by lower funding costs
- Strong return on average assets and equity
- Stable credit quality with low net charge-offs
- Solid capital position with high CET1 and leverage ratios
- Cost management reflected in improved efficiency ratio
Challenges Ahead
- Slight year-over-year decline in net income
- Nonperforming assets rose slightly compared to last year
- Efficiency ratio higher than prior year Q2
- Deposit base declined compared to prior year
- Loan balances decreased sequentially in Q2