MetroCity Bankshares, Inc.: insider trades · United States · SEC (Form 4)

About MetroCity Bankshares, Inc.

MetroCity Bankshares, Inc. (ticker: MCBS) is a U.S.-listed bank holding company trading on NASDAQ in the United States, and the parent of Metro City Bank. For investors, the company is best understood as a regional community bank with a focused operating footprint and a growth strategy centered on relationship banking, deposit gathering, and selective loan origination. MetroCity Bankshares was formed in 2014, while its banking subsidiary, Metro City Bank, was founded in 2006. The company is headquartered in the Atlanta metropolitan area, in Doraville, Georgia, where the bank’s main office is also located. MetroCity’s business model is rooted in traditional banking. It accepts deposits, originates loans, and offers a full array of retail and commercial banking products and services. The bank serves individuals, small businesses, and commercial borrowers, with a notable emphasis on multi-ethnic communities and Asian-American customer segments in growing metropolitan markets. Its principal product set includes residential mortgage lending, commercial real estate lending, commercial and business lending, SBA lending, deposit accounts, treasury and cash-management style services, and branch-based retail banking. The bank also uses brokered deposits within regulatory constraints as part of its funding toolkit to support balance sheet growth. From a competitive standpoint, MCBS occupies a niche position between local community banks and larger super-regional lenders. It is smaller than the major U.S. banking franchises, but it has built a differentiated franchise by targeting specific demographic corridors and by expanding into attractive urban-suburban markets. As of mid-2025, the company operated 20 full-service branches across Alabama, California, Florida, Georgia, New York, New Jersey, Texas, and Virginia. Following the completion of the First IC Corporation acquisition on December 1, 2025, MetroCity expanded further to about 30 full-service branches and two loan production offices, strengthening its geographic reach and deposit base. A major recent event was the completion of the First IC merger, a meaningful strategic step that increased MetroCity’s scale and added to its lending and deposit capacity. After the transaction closed, the company reported roughly $4.8 billion in total assets, $4.0 billion in total loans, and $3.6 billion in total deposits. That acquisition is important because it broadens MetroCity’s operating platform while also creating integration and execution considerations for future profitability. In addition, the company has remained active in SEC reporting and governance disclosures, including Form 4 insider transaction filings, which are relevant for market watchers tracking insider behavior. Overall, MCBS is a NASDAQ-listed U.S. regional bank with a focused franchise, a geographically diversified but targeted branch network, and a recent acquisition-led growth phase that will likely shape its near-term operating trajectory.