Here are 1-3 brief analogies for MetroCity Bankshares (MCBS):

• Like a smaller, multi-state version of a regional bank such as Truist or PNC.
• Similar to KeyBank or Huntington Bank, but operating with a more concentrated branch presence across several different states.

• Deposit Accounts: Provides various accounts for individuals and businesses to save and manage their funds, including checking accounts, savings accounts, and certificates of deposit.
• Loan Products: Offers a diverse portfolio of financing options, such as real estate loans (construction, commercial, residential mortgages), commercial and industrial loans, Small Business Administration (SBA) loans, and other consumer loans.
• Cash Management & Payment Services: Provides businesses with tools to efficiently manage cash flow and facilitate payments, including treasury management, automated clearing house (ACH), and wire transfers.
• Online Banking: Delivers a digital platform for customers to conveniently access and manage their accounts and banking services remotely.

MetroCity Bankshares (MCBS) serves a diverse customer base, primarily categorized as:

• Individuals: Offering consumer checking accounts, savings accounts, certificates of deposits, single family residential mortgages, and other consumer loans.
• Small to Medium-sized Businesses: Providing commercial checking accounts, various commercial loans (construction and development, commercial real estate, commercial and industrial, Small Business Administration), treasury management, and cash management services.
• Municipalities and Other Entities: Catering to the banking needs of local governments and other organizational bodies.

Nack Y. Paek Chief Executive Officer

Nack Y. Paek is a founder of Metro City Bank and serves as the Chairman of the board of directors and Chief Executive Officer of MetroCity Bankshares, Inc., as well as the Executive Chairman of the Bank. Prior to establishing Metro City Bank in 2006, Mr. Paek was President of Government Loan Service Corporation from 1991 to 2006, a successful SBA service provider, which he dissolved to focus on the Bank. From 1980 to 1990, he was the sole owner of a local CPA firm, and from 1987 to 1994, he was a founding director and former Chairman of the Board of Summit Bank Corporation.

Lucas Stewart Executive Vice President and Chief Financial Officer

Lucas Stewart is an Executive Vice President and the Chief Financial Officer of both MetroCity Bankshares, Inc. and Metro City Bank. He joined the Bank in May 2019 and previously held the position of Chief Accounting Officer. Before joining Metro City Bank, Mr. Stewart served as Vice President and SEC and SOX Reporting Manager at Fidelity Bank in Atlanta, GA, from 2014 to 2019. He also worked as a Director for Mauldin & Jenkins, a regional public accounting firm specializing in financial institutions, from 2004 to 2014.

Farid Tan President and Chief Executive Officer of the Bank

Farid Tan serves as the President of MetroCity Bankshares, Inc. and Chief Executive Officer of Metro City Bank, bringing over 40 years of banking experience. He previously held the role of Chief Financial Officer for both the Company and the Bank from July 2019 to October 2021. His career began in 1981 when he joined the Executive Training Program for Bank Bumiputra Malaysia, a Malaysian government-owned bank, where he held several positions in Malaysia and New York, including Senior Account Officer, Senior Internal Audit Supervisor, and Senior Foreign Exchange Dealer.

Howard Hwasaeng Kim Executive Vice President, Chief Lending Officer and Chief Operating Officer; President of the Bank

Howard Hwasaeng Kim has been a director of the Bank and MetroCity Bankshares, Inc. since 2017. He currently holds the titles of Executive Vice President, Chief Lending Officer, Chief Operating Officer for both the Company and the Bank, and also serves as President of the Bank. With over thirty years of experience in banking, Mr. Kim is responsible for leading and supervising the Bank's lending department and its deposit branches.

Abdul Mohdnor Executive Vice President and Chief Compliance Officer

Abdul Mohdnor is an Executive Vice President and the Chief Compliance Officer of Metro City Bank. He has been with the Bank since its inception in 2006 and possesses more than 20 years of experience in the banking industry. Mr. Mohdnor is responsible for the implementation and supervision of the Bank's overall compliance program, which includes all Compliance Risk Management programs covering AML/BSA, OFAC Compliance, Fair Lending, Operations, Strategy, and Administration.

The key risks to MetroCity Bankshares (MCBS) primarily revolve around its core banking operations and recent strategic initiatives.

1. Credit Risk: As a bank holding company, MetroCity Bankshares faces significant exposure to credit risk, which is the risk that borrowers will fail to repay their loans. This risk is particularly relevant due to the company's concentration in commercial and residential real estate lending. Concerns include slowing revenue growth and rising non-performing loans, which could negatively impact asset quality and overall profitability.
2. Interest Rate Risk: MetroCity Bankshares is sensitive to changes in interest rates and broader monetary policy shifts. Fluctuations in interest rates can directly affect the company's investment returns, lending costs, and net interest margin, thereby impacting its profitability.
3. Merger Integration Challenges: The company recently completed the acquisition of First IC Corporation in 2025. This strategic move introduces integration challenges related to harmonizing IT systems, combining operations, and retaining customers and employees. Unsuccessful integration could delay the realization of anticipated synergies and adversely affect the company's financial and operational performance.

The rise of digital-only banks (neobanks) and financial technology (fintech) companies that offer banking products and services with lower overheads and superior digital experiences, directly competing with traditional branch-based banking models.

For MetroCity Bankshares (MCBS), the addressable markets for its main products and services in the regions it operates are estimated as follows:

Deposits (Consumer and Commercial Checking, Savings Accounts, Certificates of Deposits)

• The total deposits across all commercial banks in the U.S. were approximately $19.75 trillion in December 2025. This represents the broad addressable market for deposit products in the United States.

Loans

Commercial Real Estate (CRE) and Construction and Development Loans

• The total commercial real estate mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024.
• The broader U.S. commercial real estate mortgage market for income-producing properties was approximately $4.5 trillion in March 2023, with an additional $470 billion in construction loans.
• The addressable market for Real Estate Loans & Collateralized Debt in specific states where MetroCity Bankshares operates includes:
  • Alabama: $3.8 billion in 2026.
  • Virginia: $108.4 billion in 2026.
  • New Jersey: $9.1 billion in 2026.
  • Texas: $76.1 billion in 2026.
  • Georgia: The real estate development loan portfolio was approximately $1.52 billion (GEL 4.1 billion) as of March 2025.

Commercial and Industrial Loans

• The U.S. commercial banking market, which includes commercial and industrial lending, was estimated at $732.5 billion in 2025 and is projected to reach $915.45 billion by 2030.
• In Georgia, the corporate loan portfolio was approximately $8.33 billion (GEL 22.5 billion) as of March 2025.

Single Family Residential Mortgage Loans

• The U.S. home loan market reached an estimated $2.42 trillion in 2026 and is forecasted to grow to $3.17 trillion by 2031.
• Total single-family mortgage origination volume in the U.S. is expected to increase to $2.2 trillion in 2026 from an estimated $2.0 trillion in 2025.
• In Virginia, new home loans booked totaled $35.2 billion in 2024.

Small Business Administration (SBA) Loans

• The U.S. small business loan market was valued at $245.39 billion in 2023 and is projected to reach $349.64 billion by 2033.
• In Alabama, the SBA approved loans totaling $361.1 million in FY2024.

Other Consumer Loans

• The U.S. retail banking market, which includes various consumer lending products, generated $454.3 billion in revenue in 2024 and is expected to reach $678.3 billion by 2033.
• In Texas, unsecured personal loan debt was estimated to be between $28 billion and $30 billion in early 2025.
• In Georgia, consumer loans totaled approximately $8.77 billion (GEL 23.7 billion) as of March 2025.

Share Repurchases

• MetroCity Bankshares' board of directors approved the continuation of its share repurchase program, authorizing the repurchase of up to 925,250 shares of the company's common stock, effective from October 17, 2024, to September 30, 2025.
• On September 1, 2023, the board adopted a new share repurchase program authorizing the company to repurchase up to 1,000,000 shares of its outstanding common stock between September 6, 2023, and September 30, 2024.
• On September 17, 2025, the company announced the continuation of its share repurchase program, allowing for the repurchase of up to 923,976 shares of common stock from October 1, 2025, to September 30, 2026.

Share Issuance

• No significant share issuances were identified over the last 3-5 years based on the available information.

Outbound Investments

• MetroCity Bankshares completed its acquisition of First IC Corporation on December 1, 2025, for $202.3 million.
• This strategic acquisition significantly boosted the company's financials, leading to a 31% increase in total assets, reaching $4.8 billion.
• The acquisition also drove a 36.6% surge in total loans held for investment to $4.1 billion and a 35.4% rise in total deposits to $3.65 billion.

Capital Expenditures

• Metrocity Bankshares Inc invested $261K in capital expenditures in Q3 2025, funding long-term assets and infrastructure.