HIGHBuilt-inLoan_portfolio
97.6%
real estate-collateralized loans
“10-K Item 1A: 'approximately 97.6% of our loan portfolio was comprised of loans with real estate as a primary or secondary component of collateral'”
MCBS · Concentration risk · 10-K extracted
MetroCity Bankshares (MCBS) concentration risks
Updated
The most significant concentration MetroCity Bankshares discloses is real estate-collateralized loans at 97.6%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: MetroCity Bankshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH2
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
58.3%
residential real estate loans
“10-K Item 1: 'we had $2.38 billion of residential real estate loans, representing 58.3% of our total loan portfolio held for investment'”
MEDIUMBuilt-inLoan_portfolio
38.3%
commercial real estate loans
“10-K Item 1: 'Commercial real estate loans made up $1.56 billion, or 38.3%, of our total loan portfolio held for investment at December 31, 2025'”
MEDIUMOutside partyRegulatory
SBA loan program dependence
“10-K Item 1A: 'Our SBA lending program is dependent upon the U.S. federal government'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06MetroCity Bankshares' loan book is overwhelmingly tied to real estate: approximately 97.6% of the loan portfolio was collateralized by real estate as a primary or secondary component, a high-disclosed-size structural exposure that leaves the bank's asset quality closely linked to property values. Within that total, residential real estate loans made up 58.3% of the portfolio and commercial real estate loans a further 38.3% — together accounting for nearly all real estate collateral, with residential carrying the larger, high-disclosed-size share and commercial a medium-disclosed-size share. Separately, the bank's SBA lending program is dependent upon the U.S. federal government, a medium-disclosed-size dependency exposure distinct from the collateral concentration. Netting these together, the real estate collateral concentration is the dominant feature of MetroCity's risk profile and the exposure most likely to move a verdict, since residential and commercial real estate loans together comprise nearly the entire loan book and both would be sensitive to the same property-value and interest-rate cycles. The SBA program dependency is a smaller, government-policy-linked exposure that sits alongside, rather than compounds, the real estate concentration.
For the engine’s reasoning on MCBS’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| MCBS● | MetroCity Bankshares, Inc. | 2 | 2 | 0 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.