MetroCity Bankshares (MCBS)
A Georgia community bank lending to Korean-American and multi-ethnic small businesses.
Something off on this page? Send us feedback.
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
Categories
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
Raised for 5 straight years — most recently to $0.29 from $0.25 in Apr 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 29, 2026 | Jul 29 | Aug 7 | $0.29 | |
| Apr 29, 2026 | Apr 29 | May 8 | $0.29 | raised from $0.25 |
| Feb 4, 2026 | Feb 4 | Feb 13 | $0.25 | |
| Oct 29, 2025 | Oct 29 | Nov 7 | $0.25 | |
| Jul 30, 2025 | Jul 30 | Aug 8 | $0.25 | raised from $0.23 |
| Apr 30, 2025 | Apr 30 | May 9 | $0.23 | |
| Jan 29, 2025 | Jan 29 | Feb 7 | $0.23 | |
| Oct 30, 2024 | Oct 30 | Nov 8 | $0.23 | raised from $0.20 |
| Institutions119 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 27.58% | 7.90M shares | |
| Insiders15 holders · as of Jun 2, 2026 | 21.64% | 6.20M shares | |
| Otherremainder | ≈ 50.78% | 14.56M shares |
28.66M company shares as of Sep 3, 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 | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 6.32% | 1.81M | 13Fas of Jun 30, 2026 |
Nack Y. Paek1Insiderdirector, officer: Chief Executive Officer | 4.80% | 1.38M | Form 4filed Jun 2, 2026 ↗ |
Farid TanInsiderdirector, officer: President | 3.51% | 1.01M | Form 4filed Jun 2, 2026 ↗ |
Vanguard Capital Management LLCInstitution | 3.33% | 955,631 | 13Fas of Jun 30, 2026 |
Don LeungInsiderdirector | 2.85% | 817,330 | Form 4filed Jun 2, 2026 ↗ |
| See all 25 → | |||
- Reported at 4.63% on Feb 4, 2026, under the 5% line, so no further filing is required.
13F — a manager's quarterly holdings · Form 4 — an insider's transaction report
Insider tradesForm 4
No open-market trades in the last 12 months.
- Hanmi Financial
LA-based Korean-American bank with near-identical GA/TX/NY/NJ footprint
- Bank of Hope
Largest Korean-American regional bank, national scale vs Southeast/Texas focus
- RBB
Similarly-sized Asian-American bank with GA/NY/NJ footprint overlap
- Cathay General Bancorp
Larger multi-state Chinese-American bank; overlaps in SBA, CRE, mortgage
- East West Bancorp
Vastly larger Asian-American-focused bank; overlaps in CRE and deposits
- Preferred Bank
Chinese-American commercial bank; narrow overlap limited mainly to Texas
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| MetroCity Bankshares | $35.21 | −0.25% | $1.01B | 12.2 | 10.8 | 3.9 | +31.4% |
| Hanmi Financial | $31.50 | −0.35% | $940.6M | 10.6 | 9.7 | 2.4 | +10.1% |
| Bank of Hope | $13.96 | +2.38% | $1.78B | 14.0 | 10.7 | 1.8 | +56.3% |
| RBB | $26.53 | +0.49% | $447.1M | 10.9 | 11.2 | 1.8 | −7.6% |
| Cathay General Bancorp | $62.49 | +0.72% | $4.16B | 12.1 | 10.8 | 3.0 | +12.5% |
| East West Bancorp | $128.99 | +1.76% | $17.67B | 12.4 | 11.9 | 3.7 | +12.5% |
| Preferred Bank | $104.19 | +2.41% | $1.23B | 9.5 | 9.7 | 2.4 | +4.0% |
| Median | 11.5 | 10.8 | 2.4 | +11.3% |