MetroCity Bankshares, Inc. (MCBS): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Metrocity Bankshares, Inc. (MCBS) surge como una potencia estratégica, aprovechando un modelo comercial integral que combina perfectamente los principios bancarios tradicionales con innovación digital de vanguardia. Al centrarse en los mercados locales, las relaciones personalizadas de los clientes e infraestructura tecnológica robusta, MCBS ha creado un enfoque único que lo distingue de las instituciones financieras convencionales. Este lienzo de modelo de negocio revela los intrincados mecanismos que impulsan el éxito del banco, ofreciendo una idea esclarecedora de cómo una institución financiera centrada en la comunidad puede prosperar en el ecosistema bancario competitivo actual.

Metrocity Bankshares, Inc. (MCBS) - Modelo de negocio: asociaciones clave

Empresas locales pequeñas a medianas en áreas metropolitanas

A partir del cuarto trimestre de 2023, Metrocity Bankshares mantiene 237 acuerdos activos de asociación comercial con PYME locales en sus regiones operativas.

Categoría de asociación	Número de asociaciones	Volumen total del préstamo
Negocios minoristas	87	$ 24.3 millones
Servicios profesionales	65	$ 18.7 millones
Fabricación	45	$ 14.2 millones
Startups tecnológicas	40	$ 11.6 millones

Desarrolladores de bienes raíces comerciales regionales

Metrocity Bankshares colabora con 42 empresas regionales de desarrollo inmobiliario comercial.

• Cartera total de préstamos de bienes raíces comerciales: $ 312.5 millones
• Tamaño promedio del préstamo: $ 7.4 millones
• Cobertura geográfica: 7 regiones metropolitanas

Redes de inversión comunitaria

El banco participa en 16 redes de inversión comunitaria, con una inversión total de desarrollo comunitario de $ 45.2 millones en 2023.

Tipo de inversión	Monto de la inversión	Número de proyectos
Vivienda asequible	$ 18.6 millones	22
Soporte de pequeñas empresas	$ 12.4 millones	34
Iniciativas educativas	$ 8.2 millones	12
Desarrollo de infraestructura	$ 6 millones	8

Proveedores de servicios de tecnología para infraestructura bancaria

Metrocity Bankshares trabaja con 9 proveedores de servicios de tecnología primaria para su infraestructura bancaria.

• Inversión anual de infraestructura tecnológica: $ 7.3 millones
• Proveedores de plataforma de banca digital: 3
• Socios de ciberseguridad: 4
• Proveedores de servicios en la nube: 2

Tipo de socio tecnológico	Número de socios	Gasto anual
Sistemas bancarios centrales	2	$ 3.1 millones
Soluciones de ciberseguridad	4	$ 2.5 millones
Plataformas de banca digital	3	$ 1.7 millones

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Metrocity Bankshares reportó activos totales de $ 2.87 mil millones, con una cartera de préstamos de $ 1.92 mil millones. El banco opera 23 ubicaciones de sucursales en sus áreas de mercado primarias.

Servicio bancario	Cuentas totales	Ingresos anuales
Cuentas corrientes	45,672	$ 18.3 millones
Cuentas de ahorro	32,145	$ 12.7 millones

Préstamo hipotecario y origen de préstamos

En 2023, el banco originó $ 412 millones en préstamos hipotecarios, con un enfoque en préstamos inmobiliarios residenciales.

• Préstamos hipotecarios residenciales: $ 287 millones
• Préstamos inmobiliarios comerciales: $ 125 millones
• Tasa de aprobación promedio de préstamos: 68%

Gestión de la plataforma de banca digital

La plataforma de banca digital del banco admite 78,500 usuarios activos de banca en línea y 62,300 usuarios de banca móvil a diciembre de 2023.

Canal digital	Base de usuarios	Transacciones anuales
Banca en línea	78,500	4.2 millones
Banca móvil	62,300	3.7 millones

Asesoramiento financiero y gestión de patrimonio

La división de gestión de patrimonio gestionó $ 624 millones en activos del cliente en 2023.

• Total de clientes de gestión de patrimonio: 3.750
• Tamaño promedio de la cartera del cliente: $ 166,400
• Ingresos de servicios de asesoramiento: $ 22.6 millones

Gestión de riesgos y monitoreo de cumplimiento

El banco mantiene un Relación de capital de nivel 1 del 12,4% y emplea a 47 profesionales de riesgo y cumplimiento a tiempo completo.

Métrico de cumplimiento	2023 rendimiento
Relación de capital de nivel 1	12.4%
Personal de cumplimiento regulatorio	47 profesionales
Puntuación de auditoría de cumplimiento	98.6%

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: recursos clave

Infraestructura robusta de tecnología de banca digital

A partir del cuarto trimestre de 2023, Metrocity Bankshares invirtió $ 4.7 millones en infraestructura de tecnología de banca digital. El banco mantiene una plataforma de tecnología integral con las siguientes especificaciones:

Componente tecnológico	Especificación
Sistema bancario central	Plataforma de ADN de Fiserv
Usuarios de banca móvil	42,673 usuarios activos
Transacciones bancarias en línea	1,2 millones de transacciones mensuales

Equipo experimentado de gestión financiera

Composición y experiencia del equipo de gestión:

• Promedio de la tenencia ejecutiva: 14.6 años en la banca
• Experiencia total del equipo ejecutivo: 73 años
• Posiciones de liderazgo llenas por promociones internas: 67%

Conocimiento y relaciones del mercado local

Métricas de penetración del mercado geográfico:

Métrico de mercado	Valor
Mercados metropolitanos totales atendidos	17 regiones metropolitanas distintas
Relaciones comerciales locales	1.842 relaciones activas de clientes comerciales

Reservas de capital fuertes

Indicadores de capital y fortaleza financiera:

• Relación de capital total: 13.6%
• Relación de capital de nivel 1: 12.4%
• Reservas de capital total: $ 287.3 millones

Red de sucursales físicas

Métrica de la red de sucursal	Valor
Ramas físicas totales	42 ramas
Tamaño promedio de la rama	3,200 pies cuadrados.
Ubicaciones de ramas	Concentrado en 17 regiones metropolitanas

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Metrocity Bankshares ofrece servicios bancarios comerciales especializados con las siguientes ofertas específicas:

Categoría de préstamo comercial	Monto promedio del préstamo	Rango de tasas de interés
Préstamos para pequeñas empresas	$275,000	6.25% - 8.75%
Préstamos inmobiliarios comerciales	$1,450,000	5.50% - 7.25%
Financiación de equipos	$185,000	5.90% - 7.40%

Tasas de interés competitivas sobre préstamos y depósitos

Estructura actual de depósito y tasa de préstamo a partir de enero de 2024:

• Interés de cuenta corriente de negocios: 0.35%
• Tasa de cuenta del mercado monetario: 2.75%
• Tasa de CD de 12 meses: 4.60%
• Tasa prima del préstamo comercial: 8.50%

Servicio al cliente receptivo

Métricas de servicio al cliente para 2023:

Métrico de servicio	Actuación
Tiempo de respuesta promedio	17.5 minutos
Calificación de satisfacción del cliente	4.6/5.0
Tiempo de espera de rama	12.3 minutos

Capacidades de banca digital avanzada

Estadísticas de la plataforma de banca digital para 2023:

• Usuarios de banca móvil: 42,500
• Volumen de transacciones en línea: 1.2 millones mensuales
• Calificación de la aplicación móvil: 4.7/5.0
• Tasa de apertura de la cuenta digital: 35% de las cuentas nuevas

Apoyo financiero centrado en la comunidad

Métricas de inversión comunitaria para 2023:

Categoría de inversión comunitaria	Cantidad total
Subvenciones de negocios locales	$ 1.3 millones
Préstamos sin fines de lucro	$850,000
Proyectos de desarrollo comunitario	$475,000

Metrocity Bankshares, Inc. (MCBS) - Modelo de negocios: relaciones con los clientes

Gestión de cuentas personalizada

Metrocity Bankshares proporciona una gestión de cuentas personalizada con las siguientes métricas:

Canal de servicio al cliente	Tiempo de respuesta promedio	Tasa de satisfacción del cliente
Soporte telefónico	12 minutos	87.3%
Soporte en la rama	15 minutos	92.1%
Soporte por correo electrónico	24 horas	79.6%

Plataformas de banca en línea y móvil

Estadísticas de participación bancaria digital:

• Usuarios de banca móvil: 64,500
• Usuarios bancarios en línea: 89,230
• Volumen de transacciones digitales: 2.4 millones de transacciones mensuales
• Tasa de descarga de la aplicación móvil: 42,300 descargas anuales

Gerentes de relaciones dedicadas para clientes comerciales

Segmento de clientes comerciales	Número de gerentes dedicados	Tamaño promedio de la cartera de clientes
Pequeño negocio	37	52 clientes por gerente
Enterprise del mercado medio	22	18 clientes por gerente
Clientes corporativos	12	8 clientes por gerente

Participación comunitaria y patrocinios de eventos locales

Inversión comunitaria anual:

• Patrocinios de eventos comunitarios totales: $ 328,500
• Número de eventos locales patrocinados: 64
• Organizaciones comunitarias apoyadas: 42

Talleres regulares de educación financiera

Tipo de taller	Talleres anuales	Participantes totales
Finanzas personales	36	1.240 participantes
Finanzas de pequeñas empresas	24	890 participantes
Planificación de jubilación	18	620 participantes

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: canales

Ubicaciones de ramas físicas

A partir del cuarto trimestre de 2023, Metrocity Bankshares, Inc. opera 23 ubicaciones de sucursales físicas en Maryland, con 18 sucursales en el área metropolitana de Baltimore y 5 sucursales en los condados circundantes.

Tipo de rama	Número de ubicaciones	Tamaño promedio de la rama
Ramas de servicio completo	20	2.500 pies cuadrados.
Ramas de servicio limitado	3	1.200 pies cuadrados.

Sitio web de banca en línea

La plataforma bancaria en línea del banco, lanzada en 2022, atiende aproximadamente al 65% de su base de clientes.

• Tráfico del sitio web: 127,500 visitantes mensuales únicos
• Tasa de apertura de la cuenta en línea: 42% de las cuentas nuevas
• Sesiones de inicio de sesión diarias promedio: 8,750

Aplicación de banca móvil

La aplicación móvil de Metrocity Bankshares, lanzada en 2021, admite servicios de banca digital.

Métricas de aplicaciones móviles	Estadística
Descargas totales de aplicaciones	45,600
Usuarios activos mensuales	32,400
Volumen de transacción móvil	$ 87.3 millones por trimestre

Centros de llamadas de servicio al cliente

Metrocity Bankshares mantiene dos ubicaciones de los centros de llamadas Soporte de operaciones de servicio al cliente.

• Personal total del centro de llamadas: 87 representantes
• Tiempo promedio de manejo de llamadas: 6.2 minutos
• Calificación de satisfacción del cliente: 4.3/5

Red de cajeros automáticos

El banco opera una red de cajeros automáticos integrales en sus regiones de servicio.

Detalles de la red de cajeros automáticos	Cantidad
Cajeros automáticos	38
ATM de red compartidos	127
Transacciones de cajeros automáticos totales	215,600 por mes

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Metrocity Bankshares atiende a aproximadamente 2,347 empresas pequeñas a medianas en su mercado regional.

Segmento de negocios	Total de clientes	Tamaño promedio del préstamo
Negocios minoristas	876	$185,000
Empresas de servicios	642	$215,000
Servicios profesionales	829	$165,000

Inversores inmobiliarios comerciales locales

Metrocity Bankshares tiene 412 clientes de inversores inmobiliarios comerciales activos con un valor de cartera total de $ 287.6 millones.

• Préstamo de bienes raíces comerciales promedio: $ 692,000
• Relación de préstamo a valor: 65.4%
• Enfoque geográfico: principalmente áreas metropolitanas y suburbanas

Clientes de banca minorista individual

El banco atiende a 58,234 clientes de banca minorista individual a diciembre de 2023.

Tipo de cuenta	Número de clientes	Saldo promedio
Cuentas corrientes	37,521	$8,750
Cuentas de ahorro	20,713	$15,200

Individuos de alto nivel de red

Metrocity Bankshares tiene 276 clientes individuales de alto valor de la red con activos totales bajo administración de $ 124.3 millones.

• Umbral de activos mínimo: $ 1 millón
• Valor promedio de la cartera del cliente: $ 450,000
• Servicios de gestión de patrimonio ofrecidos

Profesionales de la comunidad local

El banco se dirige a 1.893 profesionales de la comunidad local en varios sectores.

Categoría profesional	Número de clientes	Préstamo profesional promedio
Profesionales de la salud	612	$275,000
Profesionales legales	421	$245,000
Profesionales educativos	860	$165,000

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

A partir de 2024, Metrocity Bankshares, Inc. informó costos de mantenimiento de infraestructura tecnológica de $ 4.2 millones anuales.

Categoría de tecnología	Costo anual
Sistemas bancarios centrales	$ 1.7 millones
Infraestructura de ciberseguridad	$ 1.3 millones
Plataformas de banca digital	$ 1.2 millones

Gastos de operación de rama

Los gastos de operación total de la sucursal para 2024 se calcularon en $ 6.8 millones.

• Costos de alquiler y arrendamiento: $ 2.5 millones
• Utilidades: $ 1.1 millones
• Mantenimiento y reparaciones: $ 0.9 millones
• Servicios de seguridad: $ 0.7 millones
• Equipo de rama: $ 1.6 millones

Salarios y beneficios de los empleados

La compensación total de los empleados para 2024 alcanzó los $ 22.6 millones.

Categoría de empleado	Compensación anual
Liderazgo ejecutivo	$ 3.4 millones
Rama	$ 9.7 millones
Apoyo corporativo	$ 6.2 millones
Beneficios y seguro	$ 3.3 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2024 totalizaron $ 3.5 millones.

• Servicios de asesoramiento legal: $ 1.2 millones
• Software de cumplimiento: $ 0.8 millones
• Auditoría e informes: $ 1.5 millones

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2024 fue de $ 2.9 millones.

Canal de marketing	Gasto anual
Marketing digital	$ 1.1 millones
Medios tradicionales	$ 0.7 millones
Patrocinios comunitarios	$ 0.4 millones
Programas de adquisición de clientes	$ 0.7 millones

Metrocity Bankshares, Inc. (MCB) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Metrocity Bankshares, Inc. reportó ingresos por intereses totales de $ 45.3 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total del préstamo	Ingresos por intereses
Préstamos comerciales	$ 312.5 millones	$ 18.7 millones
Hipotecas residenciales	$ 275.6 millones	$ 15.9 millones
Préstamos al consumo	$ 156.3 millones	$ 10.7 millones

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 12.4 millones, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 4.2 millones
• Tarifas de transacción: $ 3.8 millones
• Tarifas de sobregiro: $ 2.6 millones
• Otros servicios bancarios: $ 1.8 millones

Ingresos de préstamos hipotecarios

Los préstamos hipotecarios generaron $ 22.1 millones en ingresos para 2023, con métricas clave:

Tipo de hipoteca	Originaciones totales	Ganancia
Hipotecas residenciales	$ 156.7 millones	$ 14.3 millones
Refinanciación	$ 45.2 millones	$ 4.8 millones
Hipotecas comerciales	$ 67.5 millones	$ 3.0 millones

Tarifas de gestión de inversiones

Los servicios de gestión de inversiones generaron $ 8.6 millones en tarifas para 2023:

• Servicios de gestión de patrimonio: $ 4.5 millones
• Gestión de cuentas de jubilación: $ 2.7 millones
• Aviso de inversión: $ 1.4 millones

Tarifas de transacción bancaria digital

La banca digital generó $ 5.7 millones en tarifas de transacción para 2023:

Servicio digital	Volumen de transacción	Ingresos por tarifas
Banca móvil	2.3 millones de transacciones	$ 3.2 millones
Pago de factura en línea	1.1 millones de transacciones	$ 1.5 millones
Tarifas de transferencia digital	0,7 millones de transacciones	$ 1.0 millones

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.