MetroCity Bankshares, Inc. (MCBS) Balance Sheet
MCBS balance sheet, 2025
December 31, 2025 · U.S. dollars$4.77B assets = $4.22B liabilities + $544.4M equity
Both columns are drawn to the same scale: what MCBS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
MCBS financial health
Descriptive bands, not a rating. Fiscal 2025.
MCBS balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.10B2016 | $4.77B2025 | +17.7%/yr | |
| Total liabilities | $992.8M2016 | $4.22B2025 | +17.5%/yr | |
| Shareholders’ equity | $107.3M2016 | $544.4M2025 | +19.8%/yr | |
| Cash & short-term investments | $91.7M2016 | $418.0M2025 | +18.4%/yr | |
| Total debt | $114.0M2016 | $540.6M2025 | +18.9%/yr | |
| Net cash (debt) | −$22.3M2016 | −$122.6M2025 | −$100.3M | |
| Working capital | −$775.8M2016 | $423.0M2025 | +$1.2B | |
| Book value per share | $4.542016 | $20.932025 | +18.5%/yr | |
| Debt / equity | 1.062016 | 0.992025 | −0.07 | |
| Shares outstanding | 23.6M2016 | 26.0M2025 | +1.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
MCBS assets
MCBS liabilities and equity
MCBS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
MCBS balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $418.0M | $253.7M | $160.6M | $170.2M | $458.3M | $158.9M | $286.2M | $149.2M | $115.4M | $91.7M |
| Cash & equivalents | $370.8M | $236.3M | $142.2M | $151.0M | $432.5M | $140.7M | $270.5M | $130.3M | $94.4M | $63.8M |
| Short-term investments | $47.2M | $17.4M | $18.5M | $19.2M | $25.7M | $18.1M | $15.7M | $18.9M | $21.1M | $27.9M |
| Receivables | $20.3M | $15.9M | $15.1M | $13.2M | $11.1M | $10.7M | $5.1M | $5.0M | $4.8M | $3.8M |
| Inventory | $0 | $0 | $127.0M | −$197.0M | −$456.0M | −$165.2M | −$296.9M | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $197.0M | $456.0M | $165.2M | $296.9M | $0 | $1.13B | $0 |
| Total current assets | $438.3M | $269.6M | $175.8M | $183.4M | $469.3M | $169.5M | $291.3M | $154.1M | $1.25B | $95.5M |
| Property, plant & equipment (net) | $45.1M | $26.1M | $26.6M | $22.7M | $22.4M | $24.2M | $26.4M | $14.4M | $12.4M | $7.3M |
| Goodwill & intangible assets | $68.7M | $1.4M | $1.3M | $4.0M | $7.7M | $13.0M | $18.1M | $14.9M | $6.8M | $9,375 |
| Long-term investments | $58.9M | $27.7M | $28.8M | $29.5M | $37.1M | $18.1M | $15.7M | $18.9M | $21.1M | $27.9M |
| Other non-current assets | $4.16B | $3.27B | $3.27B | $3.19B | $2.57B | $1.67B | $1.28B | $1.23B | $0 | $969.4M |
| Total assets | $4.77B | $3.59B | $3.50B | $3.43B | $3.11B | $1.90B | $1.63B | $1.43B | $1.29B | $1.10B |
| Liabilities | ||||||||||
| Accounts payable | $10.7M | $3.5M | $4.1M | $2.7M | $204,000 | $222,000 | $890,000 | $1.3M | $400,560 | $355,747 |
| Short-term debt | — | $2.0M | $1.8M | $1.2M | $1.4M | $30.0M | $2.0M | — | $125.0M | $108.7M |
| Deferred revenue | — | — | −$5.9M | $1.6M | −$1.2M | — | −$1.1M | — | — | — |
| Total current liabilities | $15.3M | $2.74B | $2.74B | $2.67B | $2.26B | $1.51B | $1.31B | $1.25B | $400,560 | $871.2M |
| Long-term debt | $375.0M | $375.0M | $325.0M | $392,000 | $459,000 | $483,000 | $3.1M | $4.3M | $5.0M | $5.3M |
| Lease obligations | $15.3M | $7.9M | $8.7M | $8.9M | $9.9M | $10.9M | $12.5M | — | — | — |
| Other long-term liabilities | $3.83B | $57.4M | $59.4M | $407.8M | $552.3M | $142.1M | $103.7M | $14.3M | $120.0M | $116.2M |
| Total liabilities | $4.22B | $3.17B | $3.12B | $3.08B | $2.82B | $1.65B | $1.42B | $1.26B | $1.15B | $992.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.2M | $254,000 | $252,000 | $252,000 | $255,000 | $257,000 | $255,000 | $242,000 | $120,375 | $118,213 |
| Retained earnings (deficit) | $402.9M | $358.7M | $315.4M | $285.8M | $238.6M | $188.7M | $162.6M | $128.6M | $96.5M | $70.1M |
| Accumulated other comprehensive income | $1.7M | $13.2M | $20.2M | $18.0M | −$168,000 | $195,000 | −$1,000 | −$104,000 | −$68,434 | −$61,905 |
| Total shareholders' equity | $544.4M | $421.4M | $381.5M | $349.4M | $290.2M | $244.8M | $216.7M | $168.6M | $135.1M | $107.3M |
| Key figures | ||||||||||
| Total debt | $540.6M | $382.9M | $335.5M | $384.3M | $510.3M | $121.4M | $75.6M | $4.3M | $130.1M | $114.0M |
| Net cash (debt) | −$122.6M | −$129.2M | −$174.8M | −$214.1M | −$52.1M | $37.5M | $210.6M | $144.9M | −$14.7M | −$22.3M |
| Working capital | $423.0M | −$2.47B | −$2.56B | −$2.49B | −$1.79B | −$1.34B | −$1.02B | −$1.09B | $1.25B | −$775.8M |
| Tangible book value | $475.7M | $419.9M | $380.2M | $345.4M | $282.5M | $231.8M | $198.7M | $153.7M | $128.3M | $107.3M |
| Book value per share | $20.93 | $16.47 | $14.95 | $13.60 | $11.25 | $9.49 | $8.76 | $6.89 | $5.60 | $4.54 |
| Shares outstanding | 26.0M | 25.6M | 25.5M | 25.7M | 25.8M | 25.8M | 24.7M | 24.5M | 24.1M | 23.6M |
| Current ratio | 28.64 | 0.10 | 0.06 | 0.07 | 0.21 | 0.11 | 0.22 | 0.12 | 3,117.26 | 0.11 |
| Quick ratio | 28.64 | 0.10 | 0.06 | 0.07 | 0.21 | 0.11 | 0.22 | 0.12 | 300.02 | 0.11 |
| Debt / equity | 0.99 | 0.91 | 0.88 | 1.10 | 1.76 | 0.50 | 0.35 | 0.03 | 0.96 | 1.06 |
| Equity / assets | 11.4% | 11.7% | 10.9% | 10.2% | 9.3% | 12.9% | 13.3% | 11.8% | 10.5% | 9.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $280.6M | $400.6M | $418.0M | $216.4M | $276.1M | $287.7M | $253.7M | $297.0M | $342.9M | $272.4M | $160.6M | $296.8M |
| Cash & equivalents | $254.4M | $374.0M | $370.8M | $213.9M | $273.6M | $272.3M | $236.3M | $278.8M | $325.0M | $254.3M | $142.2M | $279.1M |
| Short-term investments | $26.2M | $26.6M | $47.2M | $2.5M | $2.5M | $15.4M | $17.4M | $18.2M | $17.8M | $18.1M | $18.5M | $17.7M |
| Receivables | $20.1M | $20.3M | $20.3M | $16.9M | $16.5M | $16.5M | $15.9M | $15.7M | $15.3M | $15.7M | $15.1M | $14.6M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$312.6M | −$46.6M | −$274.5M | −$175.8M | −$297.4M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $312.6M | $46.6M | $274.5M | $175.8M | $297.4M |
| Total current assets | $300.7M | $394.3M | $438.3M | $233.3M | $292.7M | $304.2M | $269.6M | $312.6M | $358.1M | $288.1M | $175.8M | $311.4M |
| Property, plant & equipment (net) | $43.7M | $44.0M | $45.1M | $25.5M | $26.1M | $26.0M | $26.1M | $25.3M | $25.8M | $26.1M | $26.6M | $24.8M |
| Goodwill & intangible assets | $68.0M | $68.4M | $68.7M | $1.7M | $1.7M | $1.5M | $1.4M | $1.3M | $1.5M | $937,000 | $1.3M | $1.8M |
| Long-term investments | $44.7M | $45.2M | $58.9M | $21.1M | $21.0M | $33.9M | $27.7M | $28.8M | $28.1M | $28.3M | $28.8M | $27.8M |
| Other non-current assets | $4.06B | $4.14B | $4.16B | $3.35B | $3.27B | $3.29B | $3.27B | $3.20B | $3.20B | $3.30B | $3.27B | $3.15B |
| Total assets | $4.52B | $4.69B | $4.77B | $3.63B | $3.62B | $3.66B | $3.59B | $3.57B | $3.62B | $3.65B | $3.50B | $3.51B |
| Liabilities | ||||||||||||
| Accounts payable | $7.5M | $10.2M | $10.7M | $3.6M | $3.4M | $3.5M | $3.5M | $3.6M | $3.5M | $3.1M | $4.1M | $3.9M |
| Short-term debt | $14.1M | $2.9M | $15.3M | $7.7M | $8.2M | $2.1M | $2.0M | $1.9M | $2.0M | $2.0M | $1.8M | $1.9M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$3.5M | −$3.1M | −$5.9M | $2.0M |
| Total current liabilities | $14.1M | $2.9M | $15.3M | $2.70B | $2.69B | $2.74B | $2.74B | $2.73B | $2.75B | $2.82B | $2.74B | $2.72B |
| Long-term debt | $375.0M | $425.0M | $375.0M | $425.0M | $425.0M | $425.0M | $375.0M | $375.0M | $375.0M | $350.0M | $325.0M | $325.0M |
| Lease obligations | $14.1M | $14.5M | $15.3M | $7.7M | $8.2M | $8.0M | $7.9M | $7.3M | $7.7M | $8.2M | $8.7M | $7.5M |
| Other long-term liabilities | $3.56B | $3.71B | $3.83B | $61.9M | $61.7M | $66.2M | $57.4M | $60.3M | $83.8M | $83.7M | $59.4M | $78.8M |
| Total liabilities | $3.95B | $4.13B | $4.22B | $3.18B | $3.18B | $3.23B | $3.17B | $3.16B | $3.21B | $3.25B | $3.12B | $3.13B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $288,000 | $286,000 | $1.2M | $255,000 | $255,000 | $254,000 | $254,000 | $253,000 | $253,000 | $252,000 | $252,000 | $252,000 |
| Retained earnings (deficit) | $431.5M | $417.8M | $402.9M | $391.0M | $380.0M | $369.1M | $358.7M | $348.3M | $336.7M | $324.9M | $315.4M | $308.6M |
| Accumulated other comprehensive income | −$75,000 | $589,000 | $1.7M | $3.5M | $5.6M | $9.0M | $13.2M | $11.1M | $23.6M | $25.3M | $20.2M | $30.3M |
| Total shareholders' equity | $567.9M | $554.2M | $544.4M | $445.9M | $436.1M | $428.0M | $421.4M | $407.2M | $407.2M | $396.6M | $381.5M | $384.7M |
| Key figures | ||||||||||||
| Total debt | $403.3M | $439.5M | $540.6M | $432.7M | $433.2M | $433.0M | $382.9M | $382.3M | $382.7M | $358.2M | $335.5M | $332.5M |
| Net cash (debt) | −$122.7M | −$38.9M | −$122.6M | −$216.3M | −$157.1M | −$145.2M | −$129.2M | −$85.3M | −$39.9M | −$85.8M | −$174.8M | −$35.8M |
| Working capital | $286.5M | $391.3M | $423.0M | −$2.46B | −$2.40B | −$2.44B | −$2.47B | −$2.41B | −$2.39B | −$2.53B | −$2.56B | −$2.41B |
| Tangible book value | $499.8M | $485.8M | $475.7M | $444.2M | $434.4M | $426.5M | $419.9M | $405.9M | $405.8M | $395.7M | $380.2M | $382.9M |
| Book value per share | $19.62 | $19.08 | $20.31 | $17.33 | $16.97 | $16.65 | $16.41 | $15.86 | $15.93 | $15.52 | $14.94 | $15.03 |
| Shares outstanding | 28.9M | 29.1M | 26.8M | 25.7M | 25.7M | 25.7M | 25.7M | 25.7M | 25.6M | 25.5M | 25.5M | 25.6M |
| Current ratio | 21.28 | 134.88 | 28.64 | 0.09 | 0.11 | 0.11 | 0.10 | 0.11 | 0.13 | 0.10 | 0.06 | 0.11 |
| Quick ratio | 21.28 | 143.99 | 28.64 | 0.09 | 0.11 | 0.11 | 0.10 | 0.11 | 0.13 | 0.10 | 0.06 | 0.11 |
| Debt / equity | 0.71 | 0.79 | 0.99 | 0.97 | 0.99 | 1.01 | 0.91 | 0.94 | 0.94 | 0.90 | 0.88 | 0.86 |
| Equity / assets | 12.6% | 11.8% | 11.4% | 12.3% | 12.1% | 11.7% | 11.7% | 11.4% | 11.3% | 10.9% | 10.9% | 11.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
MCBS financial position
At the end of fiscal 2025 (December 31, 2025), MetroCity Bankshares had total assets of $4.8 billion (up 32.7% from a year earlier), total liabilities of $4.2 billion and shareholders' equity of $544.4 million. It held $418.0 million in cash and short-term investments against $540.6 million of debt, net debt of $122.6 million. Its current ratio was 28.64. In the latest quarter (ended June 30, 2026) total assets were $4.5 billion and equity $567.9 million.
Related: MCBS income statement, MCBS cash flow statement, MCBS key metrics. See the MCBS stock overview for the latest quote and news.
MCBS balance sheet FAQ
What are MetroCity Bankshares's total assets?
MetroCity Bankshares reported total assets of $4.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $3.6 billion a year earlier.
How much debt does MetroCity Bankshares have?
MetroCity Bankshares had $540.6 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.99.
How much cash does MetroCity Bankshares have?
MetroCity Bankshares held $418.0 million in cash and short-term investments at the end of fiscal 2025; with $540.6 million of debt that is net debt of $122.6 million.
What is MetroCity Bankshares's book value?
MetroCity Bankshares's shareholders' equity (book value) was $544.4 million at the end of fiscal 2025, or $20.93 per share.
What is MetroCity Bankshares's current ratio?
MetroCity Bankshares had current assets of $438.3 million and current liabilities of $15.3 million, a current ratio of 28.64 (it can cover its short-term obligations).
How much goodwill does MetroCity Bankshares have?
MetroCity Bankshares carried $68.7 million of goodwill and intangible assets, 1.4% of total assets, at the end of fiscal 2025.