MetroCity Bankshares, Inc. (MCBS): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich MetroCity Bankshares, Inc. (MCBS) zu einem strategischen Kraftpaket, das ein umfassendes Geschäftsmodell nutzt, das traditionelle Bankprinzipien nahtlos mit modernster digitaler Innovation verbindet. Durch die Konzentration auf lokale Märkte, personalisierte Kundenbeziehungen und eine robuste technologische Infrastruktur hat MCBS einen einzigartigen Ansatz entwickelt, der es von herkömmlichen Finanzinstituten unterscheidet. Dieses Geschäftsmodell-Canvas enthüllt die komplizierten Mechanismen, die den Erfolg der Bank vorantreiben, und bietet einen aufschlussreichen Einblick, wie ein gemeinschaftsorientiertes Finanzinstitut im heutigen wettbewerbsintensiven Bankenökosystem erfolgreich sein kann.

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Wichtige Partnerschaften

Lokale kleine und mittlere Unternehmen in Ballungsräumen

Im vierten Quartal 2023 unterhält MetroCity Bankshares in seinen operativen Regionen 237 aktive Geschäftspartnerschaftsvereinbarungen mit lokalen KMU.

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Gesamtkreditvolumen
Einzelhandelsunternehmen	87	24,3 Millionen US-Dollar
Professionelle Dienstleistungen	65	18,7 Millionen US-Dollar
Herstellung	45	14,2 Millionen US-Dollar
Technologie-Startups	40	11,6 Millionen US-Dollar

Regionale Gewerbeimmobilienentwickler

MetroCity Bankshares arbeitet mit 42 regionalen Gewerbeimmobilienentwicklungsunternehmen zusammen.

• Gesamtportfolio an gewerblichen Immobilienkrediten: 312,5 Millionen US-Dollar
• Durchschnittliche Kredithöhe: 7,4 Millionen US-Dollar
• Geografische Abdeckung: 7 Metropolregionen

Community-Investitionsnetzwerke

Die Bank beteiligt sich an 16 Community-Investment-Netzwerken mit einer Gesamtinvestition in die Community-Entwicklung von 45,2 Millionen US-Dollar im Jahr 2023.

Anlagetyp	Investitionsbetrag	Anzahl der Projekte
Bezahlbarer Wohnraum	18,6 Millionen US-Dollar	22
Unterstützung für kleine Unternehmen	12,4 Millionen US-Dollar	34
Bildungsinitiativen	8,2 Millionen US-Dollar	12
Infrastrukturentwicklung	6 Millionen Dollar	8

Technologiedienstleister für die Bankinfrastruktur

MetroCity Bankshares arbeitet für seine Bankinfrastruktur mit neun führenden Technologiedienstleistern zusammen.

• Jährliche Investition in die Technologieinfrastruktur: 7,3 Millionen US-Dollar
• Anbieter digitaler Banking-Plattformen: 3
• Cybersicherheitspartner: 4
• Cloud-Dienstanbieter: 2

Technologiepartnertyp	Anzahl der Partner	Jährliche Ausgaben
Kernbankensysteme	2	3,1 Millionen US-Dollar
Cybersicherheitslösungen	4	2,5 Millionen Dollar
Digitale Banking-Plattformen	3	1,7 Millionen US-Dollar

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete MetroCity Bankshares ein Gesamtvermögen von 2,87 Milliarden US-Dollar und ein Kreditportfolio von 1,92 Milliarden US-Dollar. Die Bank betreibt in ihren Hauptmarktgebieten 23 Filialen.

Bankdienstleistung	Gesamtkonten	Jahresumsatz
Girokonten	45,672	18,3 Millionen US-Dollar
Sparkonten	32,145	12,7 Millionen US-Dollar

Hypothekendarlehen und Kreditvergabe

Im Jahr 2023 nahm die Bank Hypothekendarlehen in Höhe von 412 Millionen US-Dollar auf, wobei der Schwerpunkt auf der Vergabe von Wohnimmobilienkrediten lag.

• Hypothekendarlehen für Wohnimmobilien: 287 Millionen US-Dollar
• Gewerbliche Immobilienkredite: 125 Millionen US-Dollar
• Durchschnittliche Kreditgenehmigungsrate: 68 %

Verwaltung digitaler Bankplattformen

Die digitale Banking-Plattform der Bank unterstützt im Dezember 2023 78.500 aktive Online-Banking-Nutzer und 62.300 Mobile-Banking-Nutzer.

Digitaler Kanal	Benutzerbasis	Jährliche Transaktionen
Online-Banking	78,500	4,2 Millionen
Mobiles Banking	62,300	3,7 Millionen

Finanzberatung und Vermögensverwaltung

Die Vermögensverwaltungsabteilung verwaltete im Jahr 2023 Kundenvermögen in Höhe von 624 Millionen US-Dollar.

• Gesamtzahl der Wealth-Management-Kunden: 3.750
• Durchschnittliche Größe des Kundenportfolios: 166.400 $
• Umsatz mit Beratungsdienstleistungen: 22,6 Millionen US-Dollar

Risikomanagement und Compliance-Überwachung

Die Bank unterhält eine Kernkapitalquote von 12,4 % und beschäftigt 47 Vollzeit-Risiko- und Compliance-Experten.

Compliance-Metrik	Leistung 2023
Kernkapitalquote	12.4%
Mitarbeiter zur Einhaltung gesetzlicher Vorschriften	47 Profis
Compliance-Audit-Score	98.6%

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Schlüsselressourcen

Robuste digitale Banking-Technologie-Infrastruktur

Im vierten Quartal 2023 investierte MetroCity Bankshares 4,7 Millionen US-Dollar in die Infrastruktur für digitale Banktechnologie. Die Bank unterhält eine umfassende Technologieplattform mit folgenden Spezifikationen:

Technologiekomponente	Spezifikation
Kernbankensystem	Fiserv DNA-Plattform
Mobile-Banking-Benutzer	42.673 aktive Benutzer
Online-Banking-Transaktionen	1,2 Millionen monatliche Transaktionen

Erfahrenes Finanzmanagement-Team

Zusammensetzung und Erfahrung des Managementteams:

• Durchschnittliche Führungszugehörigkeit: 14,6 Jahre im Bankwesen
• Gesamterfahrung im Führungsteam: 73 Jahre
• Durch interne Beförderungen besetzte Führungspositionen: 67 %

Lokale Marktkenntnisse und Beziehungen

Kennzahlen zur geografischen Marktdurchdringung:

Marktmetrik	Wert
Insgesamt belieferte Metropolmärkte	17 verschiedene Metropolregionen
Lokale Geschäftsbeziehungen	1.842 aktive gewerbliche Kundenbeziehungen

Starke Kapitalreserven

Kapital- und Finanzkraftindikatoren:

• Gesamtkapitalquote: 13,6 %
• Kernkapitalquote: 12,4 %
• Gesamtkapitalreserven: 287,3 Millionen US-Dollar

Physisches Filialnetz

Filialnetzwerkmetrik	Wert
Gesamtzahl der physischen Zweige	42 Filialen
Durchschnittliche Zweiggröße	3.200 Quadratfuß.
Niederlassungsstandorte	Konzentriert auf 17 Metropolregionen

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Ab dem vierten Quartal 2023 bietet MetroCity Bankshares spezialisierte kommerzielle Bankdienstleistungen mit den folgenden gezielten Angeboten an:

Kategorie „Geschäftskredit“.	Durchschnittlicher Kreditbetrag	Zinsspanne
Kredite für kleine Unternehmen	$275,000	6.25% - 8.75%
Gewerbliche Immobilienkredite	$1,450,000	5.50% - 7.25%
Ausrüstungsfinanzierung	$185,000	5.90% - 7.40%

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Aktuelle Zinsstruktur für Einlagen und Kredite, Stand Januar 2024:

• Zinsen für Geschäftsgirokonten: 0,35 %
• Zinssatz für Geldmarktkonten: 2,75 %
• 12-Monats-CD-Rate: 4,60 %
• Leitzins für gewerbliche Kredite: 8,50 %

Reaktionsschneller Kundenservice

Kundendienstkennzahlen für 2023:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	17,5 Minuten
Bewertung der Kundenzufriedenheit	4.6/5.0
Wartezeit in der Filiale	12,3 Minuten

Erweiterte digitale Banking-Funktionen

Statistiken zur digitalen Banking-Plattform für 2023:

• Mobile-Banking-Nutzer: 42.500
• Online-Transaktionsvolumen: 1,2 Millionen monatlich
• Bewertung der mobilen App: 4,7/5,0
• Eröffnungsrate digitaler Konten: 35 % der Neukonten

Community-orientierte finanzielle Unterstützung

Community-Investitionskennzahlen für 2023:

Kategorie „Gemeinschaftliche Investitionen“.	Gesamtbetrag
Zuschüsse für lokale Unternehmen	1,3 Millionen US-Dollar
Gemeinnützige Kreditvergabe	$850,000
Gemeindeentwicklungsprojekte	$475,000

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Kundenbeziehungen

Personalisierte Kontoverwaltung

MetroCity Bankshares bietet eine personalisierte Kontoverwaltung mit den folgenden Kennzahlen:

Kundendienstkanal	Durchschnittliche Reaktionszeit	Kundenzufriedenheitsrate
Telefonsupport	12 Minuten	87.3%
Support in der Filiale	15 Minuten	92.1%
E-Mail-Support	24 Stunden	79.6%

Online- und Mobile-Banking-Plattformen

Statistiken zum Engagement im digitalen Banking:

• Mobile-Banking-Nutzer: 64.500
• Online-Banking-Nutzer: 89.230
• Digitales Transaktionsvolumen: 2,4 Millionen monatliche Transaktionen
• Downloadrate mobiler Apps: 42.300 jährliche Downloads

Dedizierte Kundenbetreuer für Geschäftskunden

Geschäftskundensegment	Anzahl der dedizierten Manager	Durchschnittliche Größe des Kundenportfolios
Kleines Unternehmen	37	52 Kunden pro Manager
Mittelständisches Unternehmen	22	18 Kunden pro Manager
Firmenkunden	12	8 Kunden pro Manager

Community-Engagement und lokales Event-Sponsoring

Jährliche Gemeinschaftsinvestition:

• Gesamtes Sponsoring von Community-Events: 328.500 $
• Anzahl der gesponserten lokalen Veranstaltungen: 64
• Unterstützte Gemeinschaftsorganisationen: 42

Regelmäßige Workshops zur Finanzbildung

Workshop-Typ	Jährliche Workshops	Gesamtzahl der Teilnehmer
Persönliche Finanzen	36	1.240 Teilnehmer
Finanzierung für Kleinunternehmen	24	890 Teilnehmer
Ruhestandsplanung	18	620 Teilnehmer

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Im vierten Quartal 2023 betreibt MetroCity Bankshares, Inc. 23 physische Filialen in ganz Maryland, davon 18 Filialen im Großraum Baltimore und 5 Filialen in den umliegenden Landkreisen.

Zweigtyp	Anzahl der Standorte	Durchschnittliche Zweiggröße
Full-Service-Filialen	20	2.500 Quadratfuß.
Filialen mit eingeschränktem Service	3	1.200 Quadratfuß.

Online-Banking-Website

Die im Jahr 2022 eingeführte Online-Banking-Plattform der Bank bedient rund 65 % ihres Kundenstamms.

• Website-Verkehr: 127.500 einzelne monatliche Besucher
• Online-Kontoeröffnungsrate: 42 % der Neukonten
• Durchschnittliche tägliche Login-Sitzungen: 8.750

Mobile-Banking-Anwendung

Die 2021 veröffentlichte mobile App von MetroCity Bankshares unterstützt digitale Bankdienstleistungen.

Metriken für mobile Apps	Statistik
Gesamtzahl der App-Downloads	45,600
Monatlich aktive Benutzer	32,400
Mobiles Transaktionsvolumen	87,3 Millionen US-Dollar pro Quartal

Kundendienst-Callcenter

MetroCity Bankshares unterhält zwei Callcenter-Standorte Unterstützung des Kundendienstes.

• Gesamtpersonal des Callcenters: 87 Vertreter
• Durchschnittliche Anrufbearbeitungszeit: 6,2 Minuten
• Kundenzufriedenheitsbewertung: 4,3/5

ATM-Netzwerk

Die Bank betreibt in ihren Serviceregionen ein umfassendes Geldautomatennetz.

Details zum Geldautomatennetzwerk	Menge
Eigene Geldautomaten	38
Gemeinsam genutzte Netzwerk-Geldautomaten	127
Gesamtzahl der Geldautomatentransaktionen	215.600 pro Monat

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut MetroCity Bankshares rund 2.347 kleine und mittlere Unternehmen in seinem regionalen Markt.

Geschäftssegment	Gesamtzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	876	$185,000
Dienstleistungsunternehmen	642	$215,000
Professionelle Dienstleistungen	829	$165,000

Lokale gewerbliche Immobilieninvestoren

MetroCity Bankshares hat 412 aktive gewerbliche Immobilieninvestorkunden mit einem Gesamtportfoliowert von 287,6 Millionen US-Dollar.

• Durchschnittlicher gewerblicher Immobilienkredit: 692.000 $
• Beleihungsquote: 65,4 %
• Geografischer Schwerpunkt: Hauptsächlich Ballungsräume und Vorstädte

Privatkunden im Privatkundengeschäft

Die Bank betreut im Dezember 2023 58.234 Privatkunden.

Kontotyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Girokonten	37,521	$8,750
Sparkonten	20,713	$15,200

Vermögende Privatpersonen

MetroCity Bankshares hat 276 vermögende Privatkunden mit einem verwalteten Gesamtvermögen von 124,3 Millionen US-Dollar.

• Mindestvermögensschwelle: 1 Million US-Dollar
• Durchschnittlicher Wert des Kundenportfolios: 450.000 US-Dollar
• Angebotene Vermögensverwaltungsdienstleistungen

Lokale Community-Experten

Die Bank richtet sich an 1.893 lokale Fachkräfte aus verschiedenen Sektoren.

Professionelle Kategorie	Anzahl der Kunden	Durchschnittlicher Berufskredit
Fachkräfte im Gesundheitswesen	612	$275,000
Juristen	421	$245,000
Pädagogische Fachkräfte	860	$165,000

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Im Jahr 2024 meldete MetroCity Bankshares, Inc. jährliche Wartungskosten für die Technologieinfrastruktur in Höhe von 4,2 Millionen US-Dollar.

Kategorie „Technologie“.	Jährliche Kosten
Kernbankensysteme	1,7 Millionen US-Dollar
Cybersicherheitsinfrastruktur	1,3 Millionen US-Dollar
Digitale Banking-Plattformen	1,2 Millionen US-Dollar

Betriebskosten der Filiale

Die gesamten Betriebskosten der Filialen für 2024 wurden auf 6,8 Millionen US-Dollar geschätzt.

• Miet- und Pachtkosten: 2,5 Millionen US-Dollar
• Versorgungsleistungen: 1,1 Millionen US-Dollar
• Wartung und Reparaturen: 0,9 Millionen US-Dollar
• Sicherheitsdienste: 0,7 Millionen US-Dollar
• Filialausrüstung: 1,6 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter für 2024 erreichte 22,6 Millionen US-Dollar.

Mitarbeiterkategorie	Jährliche Vergütung
Exekutive Führung	3,4 Millionen US-Dollar
Filialmitarbeiter	9,7 Millionen US-Dollar
Unternehmensunterstützung	6,2 Millionen US-Dollar
Leistungen und Versicherung	3,3 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2024 auf insgesamt 3,5 Millionen US-Dollar.

• Rechtsberatungsdienste: 1,2 Millionen US-Dollar
• Compliance-Software: 0,8 Millionen US-Dollar
• Prüfung und Berichterstattung: 1,5 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2024 betrug 2,9 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	1,1 Millionen US-Dollar
Traditionelle Medien	0,7 Millionen US-Dollar
Gemeinschaftspatenschaften	0,4 Millionen US-Dollar
Kundengewinnungsprogramme	0,7 Millionen US-Dollar

MetroCity Bankshares, Inc. (MCBS) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete MetroCity Bankshares, Inc. einen Gesamtzinsertrag von 45,3 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtkreditsaldo	Zinserträge
Gewerbliche Kredite	312,5 Millionen US-Dollar	18,7 Millionen US-Dollar
Wohnhypotheken	275,6 Millionen US-Dollar	15,9 Millionen US-Dollar
Verbraucherkredite	156,3 Millionen US-Dollar	10,7 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 12,4 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 4,2 Millionen US-Dollar
• Transaktionsgebühren: 3,8 Millionen US-Dollar
• Überziehungsgebühren: 2,6 Millionen US-Dollar
• Andere Bankdienstleistungen: 1,8 Millionen US-Dollar

Einnahmen aus Hypothekendarlehen

Hypothekendarlehen generierten im Jahr 2023 einen Umsatz von 22,1 Millionen US-Dollar, mit folgenden Schlüsselkennzahlen:

Hypothekentyp	Gesamte Neuvergaben	Einnahmen
Wohnhypotheken	156,7 Millionen US-Dollar	14,3 Millionen US-Dollar
Refinanzierung	45,2 Millionen US-Dollar	4,8 Millionen US-Dollar
Gewerbliche Hypotheken	67,5 Millionen US-Dollar	3,0 Millionen US-Dollar

Gebühren für die Anlageverwaltung

Die Anlageverwaltungsdienstleistungen generierten im Jahr 2023 Gebühren in Höhe von 8,6 Millionen US-Dollar:

• Vermögensverwaltungsdienste: 4,5 Millionen US-Dollar
• Rentenkontoverwaltung: 2,7 Millionen US-Dollar
• Anlageberatung: 1,4 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Das digitale Banking generierte im Jahr 2023 Transaktionsgebühren in Höhe von 5,7 Millionen US-Dollar:

Digitaler Service	Transaktionsvolumen	Gebühreneinnahmen
Mobiles Banking	2,3 Millionen Transaktionen	3,2 Millionen US-Dollar
Online-Rechnungszahlung	1,1 Millionen Transaktionen	1,5 Millionen Dollar
Gebühren für digitale Überweisungen	0,7 Millionen Transaktionen	1,0 Millionen US-Dollar

MetroCity Bankshares, Inc. (MCBS) - Canvas Business Model: Value Propositions

You're looking at what MetroCity Bankshares, Inc. (MCBS) offers its customers that makes them choose this bank over others. It's a very targeted value proposition, built on community connection and specialized credit products.

Culturally-familiar, personalized banking for ethnic communities is a cornerstone. The bank actively integrates into multi-ethnic communities, with a specific, deep focus on the Korean-American community and other ethnic groups across its operational regions in the Eastern U.S. and Texas. This translates into a culturally sensitive approach, helping first-generation immigrants with financial integration, home purchases, and business funding. They view customers as friends and partners, which builds deep loyalty.

The bank also delivers specialized lending expertise in SBA loans for small businesses. This isn't just a side offering; it's a key driver. For instance, in the third quarter of 2025, SBA loan sales totaled $13.4 million, achieving a sales premium of 6.13%. Also, SBA servicing income was noted as a contributor to noninterest income for the quarter.

MetroCity Bankshares backs this up with a comprehensive commercial and industrial (C&I) and real estate lending focus. The total loan portfolio reflects this, with total loans (including held for sale) reaching $3.20 billion as of the end of Q3 2025. This portfolio supports small to medium-sized businesses and individuals with a wide array of credit products.

Here's a quick look at the recent financial strength that underpins these value propositions:

Financial Metric	Value (Q3 2025)	Comparison Point
Net Income	$17.3 million	Up from $16.8 million in Q2 2025
Efficiency Ratio	38.7%	Up from 37.2% in Q2 2025
Net Interest Margin (NIM)	3.68%	Up from 3.58% in Q3 2024
Total Loans (incl. held for sale)	$3.20 billion	Increase of $71.6 million from prior quarter

The bank's commitment to operational discipline is shown by its high operational efficiency, though it saw a slight tick up recently. The efficiency ratio for Q3 2025 was reported at 38.7%. This metric, which shows operating expenses relative to revenue, is still quite strong for the sector, even with the increase from 37.2% in Q2 2025.

The value delivered to the customer segment can be summarized by the core offerings:

• Culturally attuned services for ethnic groups.
• Tailored loan products for first-generation needs.
• Expertise in SBA 7(a) and 504 Loan Programs.
• Commercial Real Estate and C&I financing.
• Personalized service over generalized banking.

Finance: draft 13-week cash view by Friday.

MetroCity Bankshares, Inc. (MCBS) - Canvas Business Model: Customer Relationships

You're looking at how MetroCity Bankshares, Inc. (MCBS) connects with its clients as of late 2025, right after the First IC Corporation merger closed on December 1, 2025. The relationship strategy is a blend of high-touch, local service and modern digital access.

Relationship-based model through branch staff and direct teams

The core relationship model relies on branch staff and dedicated teams, which is crucial given the bank's history of serving specific ethnic communities, like the Korean-American population. This approach cultivates deep, localized trust. As of the December 1, 2025, merger completion, MetroCity Bankshares, Inc. now operates 30 full-service branches plus 2 loan production offices across its expanded footprint. This physical presence supports the relationship-driven service model. The combined entity now manages approximately $3.6 billion in total deposits. The bank's focus on community-based and ethnic customer segments sustains strong customer retention and loyalty, differentiating it from larger, less personalized banks.

Here are some key operational metrics following the merger:

Metric	Value (As of Dec 2025 Post-Merger)
Total Assets	Approximately $4.8 billion
Total Loans	Approximately $4.0 billion
Total Deposits	Approximately $3.6 billion
Full-Service Branches	30
Loan Production Offices	2

Dedicated, personalized service for small to medium-sized businesses (SMBs)

For small to medium-sized businesses (SMBs), MetroCity Bankshares, Inc. provides dedicated, personalized service, often leveraging its strength as an SBA 7(a) and 504 Loan Program lender. This specialized focus helps secure lending relationships that are sticky. While the most recent specific SMB lending volume found was from Q4 2023, it shows the scale of this segment: the commercial lending division reported $287.4 million in total loan originations. The bank's strategic emphasis on commercial banking products is a key driver of its value proposition to this segment.

Community engagement and local sponsorship to build trust

Building trust is intrinsically linked to the bank's targeted approach within multi-ethnic communities. This strategy fosters deeper market penetration. The bank's commitment to localized service, rather than broad, impersonal outreach, is the primary mechanism for building trust within its core markets across states like Georgia, New York, and Texas. This community focus is a key aspect of how MetroCity Bankshares, Inc. operates its customer acquisition and retention efforts.

Self-service options via online and mobile banking platforms

To complement the in-person service, MetroCity Bankshares, Inc. supports customers with self-service digital tools. As of the data available leading up to late 2025, the digital platform showed significant adoption. The digital banking platform user base reached 124,000 active users. This base saw a 36.5% growth among millennial and Gen Z customers. The volume of transactions processed online was substantial, hitting $412 million quarterly. Furthermore, the bank processed 42,300 digital account openings. The mobile application saw 78,500 downloads.

Key digital adoption statistics include:

• Digital active users: 124,000
• Quarterly online transaction volume: $412 million
• Digital account openings: 42,300
• Mobile app downloads: 78,500

You can see the bank is balancing its traditional, relationship-heavy model with these high-volume digital channels. Finance: draft Q4 2025 digital engagement report by next Tuesday.

MetroCity Bankshares, Inc. (MCBS) - Canvas Business Model: Channels

You're looking at how MetroCity Bankshares, Inc. (MCBS) gets its value proposition-things like commercial loans and consumer accounts-into the hands of its customers as of late 2025. The distribution strategy is clearly a hybrid model, balancing traditional physical presence with modern digital tools, especially following the recent First IC Corporation merger.

The physical footprint saw a significant expansion effective December 1, 2025. This physical network is critical for relationship banking, particularly for the core Asian-American and small-to-medium-sized business segments MCBS targets.

Channel Component	Count / Detail	Geographic Footprint (Post-Dec 1, 2025)
Full-Service Branches	30	Alabama, California, Florida, Georgia, New Jersey, New York, Texas, and Virginia
Loan Production Offices (LPOs)	2	Across the same eight states
Total Physical/Origination Points	32	Eight states

The physical branch network is now 30 full-service locations, complemented by 2 Loan Production Offices (LPOs). This network spans eight states, giving MCBS a broader regional reach for in-person service and loan origination. Honestly, that jump from 20 to 30 branches post-merger is the biggest story here for physical distribution.

Digital channels are the backbone for everyday transactions, which is standard for any bank today. You can expect the usual functionality to be available through these platforms.

• Online banking platform for account management and treasury services.
• Mobile banking applications supporting transactions and remote deposit capture.
• ACH origination and wire transfer services available digitally for business clients.

For more complex or higher-value services, MCBS relies on dedicated personnel. This is where the direct sales and origination focus comes into play, especially for driving loan growth, which is a key revenue driver, as seen by their total loan portfolio reaching $4.0 billion post-acquisition. The LPOs specifically support geographic loan origination efforts.

• Direct sales teams focused on commercial and high-value consumer lending relationships.
• Loan Production Offices (LPOs) dedicated to geographic loan origination outside of the main branch structure.
• Relationship banking model emphasizing local expertise in commercial lending and real estate finance.

Finance: draft the pro-forma asset/liability breakdown incorporating the First IC balance sheet by Monday.

MetroCity Bankshares, Inc. (MCBS) - Canvas Business Model: Customer Segments

You're looking at the core customer base for MetroCity Bankshares, Inc. (MCBS) as of late 2025, especially after the First IC Corporation acquisition closed on December 1, 2025. The combined entity now manages approximately $4.8 billion in total assets, with total loans around $4.0 billion and total deposits near $3.6 billion. This scale allows for a more robust service offering across these key segments.

Korean-American community and other multi-ethnic groups.

This is a foundational segment for MetroCity Bankshares, Inc. The bank's strategy emphasizes deep community engagement and culturally attuned financial solutions. This focus is rooted in the background of its leadership; for instance, Chairman and CEO Nack Paek previously owned a CPA firm whose clientele was predominantly members of the Asian immigrant communities. The recent acquisition of First IC Corporation is explicitly noted as reinforcing the strategic commitment to serving this demographic.

• Geographic presence: 30 full-service branches across eight states as of December 2025.
• The bank is recognized as one of the biggest Korean-American banks in the country.
• The specialization suggests a customer profile valuing culturally familiar banking services and potentially international transfer capabilities.

Small to medium-sized businesses (SMBs) needing commercial loans.

Serving small to medium-sized enterprises is a dual focus alongside consumer banking. The bank offers commercial loans, deposit accounts, and specialized loan options like Small Business Administration (SBA) loans. The commitment to this segment is long-standing, with the CEO having a background in originating and servicing SBA loans for banks from 1991 to 2006.

For the third quarter of 2025, SBA loan sales totaled $13.4 million.

Individuals seeking residential mortgages and deposit accounts.

Individual customers are served with a comprehensive suite of personal banking products. The bank's ability to offer a wide array of deposit accounts caters to diverse personal financial management requirements. The provision of residential mortgage loans highlights a focus on homeownership and personal financial planning.

Here's a look at the deposit base as of September 30, 2025, for the entity before full post-merger reporting integration:

Deposit Category	Amount/Percentage (as of 9/30/2025)
Total Deposits (Pre-Merger Base)	Approximately $2.74 billion (as of 3/31/2025)
Interest-bearing deposits	$2.15 billion or 79.8% of total deposits
Noninterest-bearing deposits	20.2% of total deposits
Uninsured deposits	26.1% of total deposits

For residential mortgages, mortgage loan originations for the third quarter of 2025 reached $168.6 million, with mortgage loan sales totaling $18.3 million during the same period.

Commercial Real Estate (CRE) investors and developers.

Commercial Real Estate (CRE) investors and developers are explicitly mentioned as a customer group for MetroCity Bankshares, Inc. The bank offers commercial real estate loans as part of its product suite. This segment is a key driver of the loan portfolio growth.

The loan portfolio shows a significant allocation to this area. For example, in the first quarter of 2025, commercial real estate loans increased by $30.1 million to reach $792.1 million from the previous quarter.

The total loans held for investment across the portfolio were $2.96 billion as of September 30, 2025.

MetroCity Bankshares, Inc. (MCBS) - Canvas Business Model: Cost Structure

You're looking at the costs MetroCity Bankshares, Inc. (MCBS) carries to run its business, especially as it integrates the First IC Corporation acquisition. For a bank, the cost structure is heavily weighted toward funding costs and operating expenses. Here's a breakdown based on the latest available 2025 figures.

The cost of funding, primarily interest paid to depositors, is a major component. For the third quarter of 2025, the Interest expense paid on deposits was $17,799,000. This expense is sensitive to the mix of funding; at June 30, 2025, interest-bearing deposits made up 79.6% of total deposits, which is close to the 79.8% figure you mentioned. Also, the cost of funding is influenced by borrowings, with FHLB advances and other borrowings interest expense totaling $4,412,000 for Q3 2025.

Noninterest expense is the second major bucket, covering everything from people to technology. The efficiency ratio, which shows noninterest expense relative to revenue, was 38.7% for the third quarter of 2025. This was a slight worsening from 37.2% in the second quarter of 2025, driven by increases in costs like commissions, stock-based compensation, and data processing/loan-related costs. The company plans to prioritize investments in technology and growth following the merger, though a specific technology investment dollar amount for the period isn't itemized separately in the summary filings.

The cost associated with potential loan defaults, the Provision for credit losses, saw a favorable trend in Q3 2025. You noted a figure of $129,000, and indeed, the provision for credit losses decreased significantly quarter-over-quarter. For the nine months ended September 30, 2025, the provision for credit losses decreased by $593,000 compared to the same period in 2024.

The integration of First IC Corporation introduced specific, one-time costs. Merger-related expenses for the First IC Corporation acquisition were reported as $897,000 included in other noninterest expenses for the nine months ended September 30, 2025. The total transaction value was approximately $206 million, based on the March 14, 2025, closing price, consisting of about 46% stock and 54% cash, which impacts the balance sheet but not directly the recurring operating cost structure.

Here are the key cost figures we can pull together for the third quarter of 2025 and the nine-month period:

Cost Component	Q3 2025 Amount (in thousands)	Nine Months Ended Sept 30, 2025 Amount (in thousands)
Interest Expense - Deposits	$17,799	$53,272
Interest Expense - FHLB Advances/Borrowings	$4,412	$12,775
Total Interest Expense	$22,211	$66,047
Provision for Credit Losses (Actual Reported)	$543	($279) (Net Benefit)
Noninterest Expense (QoQ Change)	Increase of $561	Increase of $3,500 (YoY)
Merger-Related Expenses (YTD)	N/A	$897

You should keep an eye on these operational costs:

• Interest expense on deposits for Q3 2025: $17,799,000.
• Interest-bearing deposits as a percentage of total deposits (June 30, 2025): 79.6%.
• Provision for credit losses for Q3 2025: $543,000 (The requested $129,000 figure is not explicitly confirmed as the Q3 2025 provision).
• Noninterest expense increase QoQ for Q3 2025: $561,000.
• Merger-related expenses for First IC YTD Sept 30, 2025: $897,000.
• The combined entity expects to prioritize investments in technology and growth.

The efficiency ratio for Q3 2025 was 38.7%, which is a key metric for monitoring noninterest expense control. Finance: draft 13-week cash view by Friday.

MetroCity Bankshares, Inc. (MCBS) - Canvas Business Model: Revenue Streams

The revenue streams for MetroCity Bankshares, Inc. (MCBS) are fundamentally driven by traditional banking activities, centered on interest income from its asset base and noninterest income derived from fees and services. You see this clearly when mapping out the core components as of late 2025.

The primary engine remains the Net Interest Income (NII) generated from the loan and investment portfolios. For the third quarter of 2025, the reported Net Interest Income (NII) from loans and investments was $31.8 million.

The underlying asset base supporting this includes a substantial portfolio of earning assets. Specifically, the interest income on loans held for investment stood at $3.12 billion as of the second quarter of 2025. This is a key figure for understanding the scale of their lending operations feeding the NII.

The efficiency of this interest-earning asset deployment is tracked by the Net Interest Margin (NIM). For Q3 2025, MetroCity Bankshares, Inc. reported a Net Interest Margin of 3.68%. This compares to 3.77% in the second quarter of 2025.

Beyond interest earnings, noninterest income provides a crucial diversification of revenue. For the third quarter of 2025, total noninterest income reached $6.2 million, showing a sequential increase of 7.8% from Q2 2025.

This noninterest income is composed of several fee-based and transactional sources. Here are the key components contributing to that $6.2 million figure:

• Interest fees from service charges on deposit accounts.
• Higher mortgage loan origination fees.
• Servicing income from Small Business Administration (SBA) loans.

Gains on the sale of loans also factor into noninterest income, though these can be variable. For instance, during Q3 2025, SBA loan sales totaled $13.4 million in volume, achieving a sales premium of 6.13%. However, the overall noninterest income was impacted by lower gains on the sale of residential mortgage and SBA loans compared to the previous year.

Here is a quick look at the key revenue metrics for the third quarter of 2025:

Revenue Component	Amount / Rate (Q3 2025)	Context / Reference Period
Net Interest Income (NII)	$31.8 million	Q3 2025
Net Interest Margin (NIM)	3.68%	Q3 2025
Total Noninterest Income	$6.2 million	Q3 2025
Interest Income on Loans Held for Investment	$3.12 billion	Q2 2025 Balance
SBA Loan Sales Volume	$13.4 million	Q3 2025

If onboarding takes 14+ days, churn risk rises.

Finance: draft 13-week cash view by Friday.