Metrocity Bankshares, Inc. (MCBS): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, Metrocity Bankshares, Inc. (MCBS) apparaît comme une puissance stratégique, tirant parti d'un modèle commercial complet qui mélange parfaitement les principes bancaires traditionnels avec l'innovation numérique de pointe. En se concentrant sur les marchés locaux, les relations client personnalisées et les infrastructures technologiques robustes, MCBS a conçu une approche unique qui le distingue des institutions financières conventionnelles. Cette toile du modèle commercial révèle les mécanismes complexes qui stimulent le succès de la banque, offrant un aperçu éclaircissant sur la façon dont une institution financière axée sur la communauté peut prospérer dans l'écosystème bancaire concurrentiel d'aujourd'hui.

Metrocity Bankshares, Inc. (MCBS) - Modèle commercial: partenariats clés

Entreprises locales petites et moyennes dans les zones métropolitaines

Depuis le quatrième trimestre 2023, Metrocity Bankshares maintient 237 accords de partenariat commercial actifs avec les PME locales dans ses régions opérationnelles.

Catégorie de partenariat	Nombre de partenariats	Volume total des prêts
Commerces de détail	87	24,3 millions de dollars
Services professionnels	65	18,7 millions de dollars
Fabrication	45	14,2 millions de dollars
Startups technologiques	40	11,6 millions de dollars

Promoteurs immobiliers commerciaux régionaux

Metrocity Bankshares collabore avec 42 sociétés régionales de développement immobilier commercial.

• Portfolio total de prêts immobiliers commerciaux: 312,5 millions de dollars
• Taille moyenne du prêt: 7,4 millions de dollars
• Couverture géographique: 7 régions métropolitaines

Réseaux d'investissement communautaire

La banque participe à 16 réseaux d'investissement communautaires, avec un investissement total de développement communautaire de 45,2 millions de dollars en 2023.

Type d'investissement	Montant d'investissement	Nombre de projets
Logement abordable	18,6 millions de dollars	22
Soutien aux petites entreprises	12,4 millions de dollars	34
Initiatives éducatives	8,2 millions de dollars	12
Développement des infrastructures	6 millions de dollars	8

Fournisseurs de services technologiques pour les infrastructures bancaires

Metrocity Bankshares travaille avec 9 fournisseurs de services technologiques primaires pour son infrastructure bancaire.

• Investissement annuel sur les infrastructures technologiques: 7,3 millions de dollars
• Provideurs de plate-forme bancaire numérique: 3
• Partenaires de cybersécurité: 4
• Fournisseurs de services cloud: 2

Type de partenaire technologique	Nombre de partenaires	Dépenses annuelles
Systèmes bancaires de base	2	3,1 millions de dollars
Solutions de cybersécurité	4	2,5 millions de dollars
Plateformes bancaires numériques	3	1,7 million de dollars

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Metrocity Bankshares a déclaré un actif total de 2,87 milliards de dollars, avec un portefeuille de prêts de 1,92 milliard de dollars. La banque exploite 23 succursales dans ses principaux domaines de marché.

Service bancaire	Comptes totaux	Revenus annuels
Comptes chèques	45,672	18,3 millions de dollars
Comptes d'épargne	32,145	12,7 millions de dollars

Prêts hypothécaires et origine du prêt

En 2023, la banque a créé 412 millions de dollars de prêts hypothécaires, en mettant l'accent sur les prêts immobiliers résidentiels.

• Prêts hypothécaires résidentiels: 287 millions de dollars
• Prêts immobiliers commerciaux: 125 millions de dollars
• Taux d'approbation du prêt moyen: 68%

Gestion de la plate-forme bancaire numérique

La plate-forme bancaire numérique de la banque prend en charge 78 500 utilisateurs de services bancaires en ligne actifs et 62 300 utilisateurs de services bancaires mobiles en décembre 2023.

Canal numérique	Base d'utilisateurs	Transactions annuelles
Banque en ligne	78,500	4,2 millions
Banque mobile	62,300	3,7 millions

Conseil financier et gestion de la patrimoine

La division de gestion de patrimoine a géré 624 millions de dollars d'actifs clients en 2023.

• Clients totaux de gestion de patrimoine: 3 750
• Taille moyenne du portefeuille des clients: 166 400 $
• Revenus de services consultatifs: 22,6 millions de dollars

Gestion des risques et surveillance de la conformité

La banque maintient un Ratio de capital de niveau 1 de 12,4% et emploie 47 professionnels du risque et de la conformité à temps plein.

Métrique de conformité	Performance de 2023
Ratio de capital de niveau 1	12.4%
Personnel de conformité réglementaire	47 professionnels
Score d'audit de la conformité	98.6%

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: Ressources clés

Infrastructure de technologie bancaire numérique robuste

Au quatrième trimestre 2023, Metrocity Bankshares a investi 4,7 millions de dollars dans l'infrastructure des technologies bancaires numériques. La banque maintient une plate-forme technologique complète avec les spécifications suivantes:

Composant technologique	Spécification
Système bancaire de base	Plateforme ADN Fiserv
Utilisateurs de la banque mobile	42 673 utilisateurs actifs
Transactions bancaires en ligne	1,2 million de transactions mensuelles

Équipe de gestion financière expérimentée

Composition et expérience de l'équipe de gestion:

• Pureur exécutif moyen: 14,6 ans dans les services bancaires
• Expérience totale de l'équipe de direction: 73 ans
• Positions en leadership pourvues par des promotions internes: 67%

Connaissances et relations du marché local

Mesures de pénétration du marché géographique:

Métrique du marché	Valeur
Total des marchés métropolitains servis	17 régions métropolitaines distinctes
Relations commerciales locales	1 842 relations avec les clients commerciaux actifs

Solides réserves de capital

Indicateurs de force en capital et financier:

• Ratio de capital total: 13,6%
• Ratio de capital de niveau 1: 12,4%
• Total des réserves de capital: 287,3 millions de dollars

Réseau de succursale physique

Métrique du réseau de succursale	Valeur
Branches physiques totales	42 branches
Taille moyenne de la branche	3 200 pieds carrés.
Succursales	Concentré dans 17 régions métropolitaines

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises locales

Au quatrième trimestre 2023, Metrocity Bankshares offre des services bancaires commerciaux spécialisés avec les offres ciblées suivantes:

Catégorie de prêts commerciaux	Montant moyen du prêt	Fourchette de taux d'intérêt
Prêts aux petites entreprises	$275,000	6.25% - 8.75%
Prêts immobiliers commerciaux	$1,450,000	5.50% - 7.25%
Financement de l'équipement	$185,000	5.90% - 7.40%

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Structure actuelle de dépôt et de prêt à partir de janvier 2024:

• Intérêt du compte de chèque d'entreprise: 0,35%
• Taux de compte du marché monétaire: 2,75%
• Taux de CD à 12 mois: 4,60%
• Taux premiers du prêt commercial: 8,50%

Service client réactif

Métriques du service client pour 2023:

Métrique de service	Performance
Temps de réponse moyen	17,5 minutes
Évaluation de satisfaction du client	4.6/5.0
Temps d'attente de la branche	12,3 minutes

Capacités bancaires numériques avancées

Statistiques de la plate-forme bancaire numérique pour 2023:

• Utilisateurs de la banque mobile: 42 500
• Volume de transaction en ligne: 1,2 million de
• Évaluation des applications mobiles: 4.7 / 5.0
• Taux d'ouverture du compte numérique: 35% des nouveaux comptes

Soutien financier axé sur la communauté

Mesures d'investissement communautaire pour 2023:

Catégorie d'investissement communautaire	Montant total
Subventions commerciales locales	1,3 million de dollars
Prêts à but non lucratif	$850,000
Projets de développement communautaire	$475,000

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: relations avec les clients

Gestion de compte personnalisée

Metrocity Bankshares fournit une gestion personnalisée des comptes avec les mesures suivantes:

Canal de service client	Temps de réponse moyen	Taux de satisfaction client
Support téléphonique	12 minutes	87.3%
Support en branche	15 minutes	92.1%
Assistance par e-mail	24 heures	79.6%

Plateformes bancaires en ligne et mobiles

Statistiques de l'engagement des banques numériques:

• Utilisateurs de la banque mobile: 64 500
• Utilisateurs bancaires en ligne: 89 230
• Volume de transactions numériques: 2,4 millions de transactions mensuelles
• Taux de téléchargement de l'application mobile: 42 300 téléchargements annuels

Gestionnaires de relations dédiés pour les clients commerciaux

Segment des clients commerciaux	Nombre de gestionnaires dédiés	Taille moyenne du portefeuille client
Petite entreprise	37	52 clients par gestionnaire
Entreprise intermédiaire	22	18 clients par gestionnaire
Clients des entreprises	12	8 clients par gestionnaire

Engagement communautaire et parrainages d'événements locaux

Investissement communautaire annuel:

• Total des parrainages de l'événement communautaire: 328 500 $
• Nombre d'événements locaux parrainés: 64
• Organisations communautaires soutenues: 42

Ateliers d'éducation financière réguliers

Type d'atelier	Ateliers annuels	Total des participants
Financement personnel	36	1 240 participants
Finance des petites entreprises	24	890 participants
Planification de la retraite	18	620 participants

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: canaux

Emplacements de branche physiques

Depuis le quatrième trimestre 2023, Metrocity Bankshares, Inc. exploite 23 succursales physiques à travers le Maryland, avec 18 succursales dans la région métropolitaine de Baltimore et 5 succursales dans les comtés environnants.

Type de succursale	Nombre d'emplacements	Taille moyenne de la branche
Branches à service complet	20	2 500 pieds carrés.
Branches à service limité	3	1 200 pieds carrés.

Site Web de banque en ligne

La plate-forme bancaire en ligne de la banque, lancée en 2022, dessert environ 65% de sa clientèle.

• Trafic de site Web: 127 500 visiteurs mensuels uniques
• Taux d'ouverture du compte en ligne: 42% des nouveaux comptes
• Séances de connexion quotidiennes moyennes: 8 750

Application bancaire mobile

L'application mobile de Metrocity Bankshares, publiée en 2021, prend en charge les services bancaires numériques.

Métriques d'application mobile	Statistique
Total des téléchargements d'applications	45,600
Utilisateurs actifs mensuels	32,400
Volume de transaction mobile	87,3 millions de dollars par trimestre

Centres d'appels de service client

Metrocity Bankshares maintient deux emplacements de centre d'appels Prise en charge des opérations de service client.

• Personnel du centre d'appels total: 87 représentants
• Temps moyen de gestion des appels: 6,2 minutes
• Évaluation de satisfaction du client: 4.3 / 5

Réseau ATM

La banque exploite un réseau ATM complet dans ses régions de service.

Détails du réseau ATM	Quantité
MAT propriétaires	38
ATM du réseau partagé	127
Total des transactions ATM	215 600 par mois

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Metrocity Bankshares dessert environ 2 347 petites et moyennes entreprises de son marché régional.

Segment d'entreprise	Total des clients	Taille moyenne du prêt
Commerces de détail	876	$185,000
Entreprises de services	642	$215,000
Services professionnels	829	$165,000

Investisseurs immobiliers commerciaux locaux

Metrocity Bankshares compte 412 clients des investisseurs immobiliers commerciaux actifs d'une valeur totale de portefeuille de 287,6 millions de dollars.

• Prêt immobilier commercial moyen: 692 000 $
• Ratio de prêt / valeur: 65,4%
• Focus géographique: principalement des zones métropolitaines et suburbaines

Clients bancaires de détail individuels

La banque dessert 58 234 clients bancaires de détail individuels en décembre 2023.

Type de compte	Nombre de clients	Équilibre moyen
Comptes chèques	37,521	$8,750
Comptes d'épargne	20,713	$15,200

Individus à haute nette

Metrocity Bankshares compte 276 clients individuels à forte valeur élevée avec un actif total sous gestion de 124,3 millions de dollars.

• Seuil minimum d'actif: 1 million de dollars
• Valeur moyenne du portefeuille des clients: 450 000 $
• Services de gestion de patrimoine offerts

Professionnels de la communauté locale

La banque cible 1 893 professionnels de la communauté locaux dans divers secteurs.

Catégorie professionnelle	Nombre de clients	Prêt professionnel moyen
Professionnels de la santé	612	$275,000
Professionnels du droit	421	$245,000
Professionnels de l'éducation	860	$165,000

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

En 2024, Metrocity Bankshares, Inc. a déclaré des coûts de maintenance des infrastructures technologiques de 4,2 millions de dollars par an.

Catégorie de technologie	Coût annuel
Systèmes bancaires de base	1,7 million de dollars
Infrastructure de cybersécurité	1,3 million de dollars
Plateformes bancaires numériques	1,2 million de dollars

Dépenses de fonctionnement de la succursale

Les dépenses totales d'exploitation des succursales pour 2024 ont été calculées à 6,8 millions de dollars.

• Coûts de location et de location: 2,5 millions de dollars
• Services publics: 1,1 million de dollars
• Entretien et réparations: 0,9 million de dollars
• Services de sécurité: 0,7 million de dollars
• Équipement de succursale: 1,6 million de dollars

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2024 a atteint 22,6 millions de dollars.

Catégorie des employés	Compensation annuelle
Leadership exécutif	3,4 millions de dollars
Personnel de succursale	9,7 millions de dollars
Soutien aux entreprises	6,2 millions de dollars
Avantages et assurance	3,3 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2024 ont totalisé 3,5 millions de dollars.

• Services de conseil juridique: 1,2 million de dollars
• Logiciel de conformité: 0,8 million de dollars
• Audit et rapport: 1,5 million de dollars

Frais de marketing et d'acquisition des clients

Le budget marketing de 2024 était de 2,9 millions de dollars.

Canal de marketing	Dépenses annuelles
Marketing numérique	1,1 million de dollars
Médias traditionnels	0,7 million de dollars
Parrainages communautaires	0,4 million de dollars
Programmes d'acquisition de clients	0,7 million de dollars

Metrocity Bankshares, Inc. (MCBS) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, Metrocity Bankshares, Inc. a déclaré un revenu d'intérêt total de 45,3 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total des prêts	Revenu d'intérêt
Prêts commerciaux	312,5 millions de dollars	18,7 millions de dollars
Hypothèques résidentielles	275,6 millions de dollars	15,9 millions de dollars
Prêts à la consommation	156,3 millions de dollars	10,7 millions de dollars

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 12,4 millions de dollars, avec la ventilation suivante:

• Frais de maintenance du compte: 4,2 millions de dollars
• Frais de transaction: 3,8 millions de dollars
• Frais de découvert: 2,6 millions de dollars
• Autres services bancaires: 1,8 million de dollars

Revenus de prêts hypothécaires

Les prêts hypothécaires ont généré 22,1 millions de dollars de revenus pour 2023, avec des mesures clés:

Type hypothécaire	Originations totales	Revenu
Hypothèques résidentielles	156,7 millions de dollars	14,3 millions de dollars
Refinancement	45,2 millions de dollars	4,8 millions de dollars
Hypothèques commerciales	67,5 millions de dollars	3,0 millions de dollars

Frais de gestion des investissements

Les services de gestion des investissements ont généré 8,6 millions de dollars de frais pour 2023:

• Services de gestion de la patrimoine: 4,5 millions de dollars
• Gestion des comptes de retraite: 2,7 millions de dollars
• Conseil d'investissement: 1,4 million de dollars

Frais de transaction bancaire numérique

La banque numérique a généré 5,7 millions de dollars de frais de transaction pour 2023:

Service numérique	Volume de transaction	Revenus des frais
Banque mobile	2,3 millions de transactions	3,2 millions de dollars
Payage des factures en ligne	1,1 million de transactions	1,5 million de dollars
Frais de transfert numérique	0,7 million de transactions	1,0 million de dollars

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.