7Baggers

MetroCity Bankshares, Inc
(NASDAQ:MCBS) 

MCBS stock logo

MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that offers banking products and services in Georgia, the United States. It provides consumer and commercial checking accounts, savings accounts, certificates of deposits, money transfers, and other banking services....

Full Time Employees: 207
CEO: Nack Y. Paek  
Sector: Financial Services
Industry: Banks-Regional
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At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 
                               
      interest and dividend income:
    		                           
      loans, including fees
    		67,139,000 57,335,000 50,975,000 50,936,000 50,253,000 49,790,000 50,336,000 50,527,000 50,117,000 47,367,000 45,695,000 44,839,000 43,982,000 41,783,000 37,263,000 32,310,000 31,459,000 30,496,000 29,127,000 25,728,000 22,500,000 19,658,000 17,880,000 18,826,000 19,508,000 19,483,000 20,857,000 
      other investment income
    		3,730,000 2,790,000 2,884,000 2,970,000 2,126,000 2,663,000 3,417,000 3,547,000 2,211,000 3,267,000 2,979,000 2,582,000 1,939,000 2,116,000 1,011,000 711,000 492,000 360,000 196,000 159,000 170,000 164,000 187,000 196,000 882,000 1,023,000 907,000 
      federal funds sold
    		121,000 132,000 144,000 143,000 140,000 161,000 80,000 34,000 30,000 37,000 35,000 61,000 44,000 46,000 23,000 4,000 2,000 1,000 1,000 1,000 2,000 17,000 64,000 61,000 166,000 119,000 144,000 
      total interest income
    		70,990,000 60,257,000 54,003,000 54,049,000 52,519,000 52,614,000 53,833,000 54,108,000 52,358,000 50,671,000 48,709,000 47,482,000 45,965,000 43,945,000 38,297,000 33,025,000 31,953,000 30,857,000 29,324,000 25,888,000 22,672,000 19,839,000 18,131,000 19,083,000 20,556,000 20,625,000 21,908,000 
      interest expense:
    		                           
      deposits
    		22,077,000 19,623,000 17,799,000 17,496,000 17,977,000 18,618,000 19,602,000 19,735,000 22,105,000 21,691,000 21,736,000 19,804,000 17,376,000 13,071,000 6,964,000 2,384,000 1,139,000 1,069,000 968,000 919,000 992,000 1,262,000 2,046,000 3,096,000 4,514,000 5,576,000 5,873,000 
      fhlb advances and other borrowings
    		4,426,000 4,709,000 4,412,000 4,375,000 3,988,000 3,936,000 3,942,000 3,661,000 3,168,000 2,858,000 2,819,000 2,708,000 2,356,000 1,924,000 1,545,000 421,000 161,000 167,000 167,000 144,000 146,000 149,000 146,000 144,000 132,000 105,000 56,000 
      total interest expense
    		26,503,000 24,332,000 22,211,000 21,871,000 21,965,000 22,554,000 23,544,000 23,396,000 25,273,000 24,549,000 24,555,000 22,512,000 19,732,000 14,995,000 8,509,000 2,805,000 1,300,000 1,236,000 1,135,000 1,063,000 1,138,000 1,411,000 2,192,000 3,240,000 4,646,000 5,681,000 5,929,000 
      net interest income
    		44,487,000 35,925,000 31,792,000 32,178,000 30,554,000 30,060,000 30,289,000 30,712,000 27,085,000 26,122,000 24,154,000 24,970,000 26,233,000 28,950,000 29,788,000 30,220,000 30,653,000 29,621,000 28,189,000 24,825,000 21,534,000 18,428,000 15,939,000 15,843,000 15,910,000 14,944,000 15,979,000 
      provision for credit losses:
    		                           
      provision for loan losses
    		-869,000 12,000 -581,000 216,000 17,000 103,500 653,000 -105,000      -1,168,000 -1,703,000  104,000 546,000 2,579,000 2,205,000 1,599,000 956,000 1,450,000 1,061,000    
      provision for unfunded commitments
    		56,000 -51,000 38,000 -87,000 118,000 -25,000 -71,000 -23,000                    
      provision for credit losses
    		-813,000 -39,000 -543,000 129,000 135,000 202,000 582,000 -128,000 -140,000 782,000 -381,000 -416,000                
      net interest income after provision for credit losses
    		45,300,000 35,964,000 32,335,000 32,049,000 30,419,000 21,943,000 29,707,000 30,840,000 27,225,000 19,038,500 24,535,000 25,386,000 26,233,000               
      noninterest income:
    		                           
      service charges on deposit accounts
    		848,000 772,000 551,000 505,000 500,000 563,000 531,000 532,000 447,000 515,000 490,000 464,000 449,000 483,000 509,000 518,000 481,000 466,000 446,000 411,000 373,000 608,000 215,000 202,000 287,000 296,000 294,000 
      other service charges, commissions and fees
    		1,581,000 1,748,000 2,376,000 1,620,000 1,596,000 1,748,000 1,915,000 1,573,000 1,612,000 2,039,000 1,478,000 1,266,000 874,000 1,243,000 2,676,000 3,647,000 2,159,000 3,015,000 4,147,000 3,877,000 3,398,000 3,349,000 2,023,000 970,000 2,203,000 2,335,000 2,592,000 
      gain on sale of residential mortgage loans
    		 2,808,000 166,000 579,000 399,000 -11,000 526,000 1,177,000 222,000       806,000 1,211,000        2,529,000 2,687,000 2,901,000 
      mortgage servicing income
    		306,000 504,000 516,000 781,000 618,000 690,000 422,000 1,107,000 229,000 39,000 -85,000 -51,000 -96,000 -299,000 -358,000 -5,000 101,000 95,000 132,000 -957,000 166,000 -82,000 235,000 783,000 372,000 2,046,000 2,594,000 
      gain on sale of sba loans
    		1,045,000 463,000 558,000 643,000 658,000 811,000 1,083,000  1,051,000 32,000 244,000 1,054,000 1,969,000  500,000  1,568,000 2,895,000 3,358,000 2,845,000 1,854,000 1,625,000 2,265,000 1,276,000 1,301,000 1,148,000 1,404,000 
      sba servicing income
    		1,905,000 800,000 1,203,000 642,000 913,000 956,000 1,231,000 560,000 1,496,000 1,324,000 270,000 1,388,000 1,814,000 -72,000 1,330,000 -1,077,000 1,644,000 634,000 1,212,000 1,905,000 2,133,000 724,000 2,931,000 1,959,000 516,000 665,000 900,000 
      other income
    		672,000 722,000 808,000 963,000 772,000 564,000 907,000 610,000 511,000 576,000 505,000 640,000 1,006,000 439,000 444,000 764,000 492,000 386,000 237,000 513,000 262,000 -86,000 295,000 310,000 301,000 183,000 316,000 
      total noninterest income
    		6,357,000 7,817,000 6,178,000 5,733,000 5,456,000 5,321,000 6,615,000 5,559,000 5,568,000 4,525,000 2,902,000 4,761,000 6,016,000 1,794,000 5,101,000 4,653,000 7,656,000 7,491,000 9,532,000 8,594,000 8,186,000 6,138,000 7,964,000 5,500,000 7,509,000 9,360,000 11,001,000 
      noninterest expense:
    		                           
      salaries and employee benefits
    		11,501,000 10,674,000 8,953,000 8,554,000 8,493,000 9,277,000 8,512,000 8,048,000 7,370,000 8,971,000 6,864,000 7,103,000 6,366,000 7,721,000 7,756,000 7,929,000 7,096,000 7,819,000 8,679,000 6,915,000 6,699,000 6,822,000 6,416,000 5,749,000 6,513,000 5,997,000 6,573,000 
      occupancy and equipment
    		2,434,000 1,581,000 1,410,000 1,380,000 1,417,000 1,406,000 1,430,000 1,334,000 1,354,000 1,368,000 1,272,000 1,039,000 1,214,000 1,263,000 1,167,000 1,200,000 1,227,000 1,206,000 1,295,000 1,252,000 1,275,000 1,293,000 1,302,000 1,277,000 1,211,000 1,202,000 1,161,000 
      data processing
    		682,000 466,000 394,000 329,000 345,000 335,000 311,000 353,000 294,000 301,000 300,000 353,000 275,000 287,000 270,000 261,000 277,000 252,000 257,000 283,000 308,000 313,000 287,000 201,000 277,000 264,000 245,000 
      advertising
    		223,000 180,000 161,000 149,000 167,000 160,000 145,000 157,000 172,000 160,000 143,000 165,000 146,000 172,000 158,000 126,000 150,000 148,000 131,000 117,000 145,000 138,000 127,000 140,000 161,000 194,000 142,000 
      merger-related expenses
    		1,676,000                           
      other expenses
    		4,922,000 3,041,000 3,756,000 3,701,000 3,377,000 3,148,000 3,262,000 3,140,000 3,171,000 2,928,000 3,206,000 2,874,000 2,678,000 2,936,000 3,337,000 3,603,000 3,429,000 3,087,000 2,749,000 3,526,000 2,281,000 2,511,000 2,018,000 2,357,000 1,887,000 2,183,000 2,041,000 
      total noninterest expense
    		21,438,000 20,671,000 14,674,000 14,113,000 13,799,000 14,326,000 13,660,000 13,032,000 12,361,000 13,728,000 11,785,000 11,534,000 10,679,000 12,379,000 12,688,000 13,119,000 12,179,000 12,512,000 13,111,000 12,093,000 10,708,000 11,077,000 10,150,000 9,724,000 10,049,000 9,840,000 10,162,000 
      income before provision for income taxes
    		30,219,000 23,110,000 23,839,000 23,669,000 22,076,000 20,853,000 22,662,000 23,367,000 20,432,000 16,137,000 15,652,000 18,613,000 21,570,000 19,533,000 23,904,000 21,754,000 26,026,000 24,054,000 22,031,000 19,121,000 17,413,000 12,533,000 12,303,000 10,558,000 13,370,000 14,464,000 16,818,000 
      provision for income taxes
    		7,905,000 4,971,000 6,569,000 6,843,000 5,779,000 4,618,000 5,961,000 6,430,000 5,801,000 4,790,000 4,224,000 5,505,000 5,840,000 9,353,000 7,011,000 5,654,000 6,597,000 6,609,000 5,149,000 4,728,000 4,432,000 3,079,000 2,918,000 2,819,000 3,554,000 3,794,000 4,462,000 
      net income available to common shareholders
    		22,314,000 12,598,250 17,270,000 16,826,000 16,297,000 12,067,250 16,701,000 16,937,000 14,631,000 10,066,500 11,428,000 13,108,000 15,730,000 13,105,500 16,893,000 16,100,000 19,429,000 11,064,000 16,882,000 14,393,000 12,981,000 6,735,000 9,385,000 7,739,000 9,816,000 8,512,000 12,356,000 
      earnings per share:
    		                           
      basic
    		0.78 0.68 0.68 0.66 0.64 0.64 0.66 0.67 0.58 0.45 0.45 0.52 0.63 0.4 0.66 0.63 0.76 0.68 0.66 0.56 0.51 0.37 0.37 0.3 0.38 0.42 0.51 
      diluted
    		0.77 0.68 0.67 0.65 0.63 0.63 0.65 0.66 0.57 0.44 0.45 0.51 0.62 0.4 0.66 0.63 0.76 0.68 0.66 0.56 0.5 0.36 0.36 0.3 0.38 0.42 0.5 
      net interest income after provision for loan losses
    		             30,118,000 31,491,000 30,220,000 30,549,000 29,075,000 25,610,000 22,620,000 19,935,000 17,472,000 14,489,000 14,782,000 15,910,000 14,944,000 15,979,000 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 
                                 
        assets:
      		                           
        cash and due from banks
      		373,956,000 370,832,000 213,941,000 273,596,000 272,317,000 236,338,000 278,752,000 325,026,000 254,331,000 142,152,000 279,106,000 250,503,000 216,167,000 150,964,000 164,054,000 220,027,000 418,988,000 432,523,000 250,995,000 309,289,000 169,775,000 140,744,000 109,263,000 208,325,000 201,020,000 270,496,000 264,981,000 
        federal funds sold
      		13,645,000 12,844,000 13,217,000 12,415,000 12,738,000 13,537,000 12,462,000 2,833,000 4,505,000 2,653,000 2,951,000 12,224,000 7,897,000 28,521,000 15,669,000 3,069,000 5,743,000 8,818,000 2,294,000 4,644,000 4,444,000 9,944,000 17,268,000 7,444,000 6,618,000 5,917,000 9,567,000 
        cash and cash equivalents
      		387,601,000 383,676,000 227,158,000 286,011,000 285,055,000 249,875,000 291,214,000 327,859,000 258,836,000 144,805,000 282,057,000 262,727,000 224,064,000 179,485,000 179,723,000 223,096,000 424,731,000 441,341,000 253,289,000 313,933,000 174,219,000 150,688,000 126,531,000 215,769,000 207,638,000 276,413,000 274,548,000 
        equity securities
      		18,564,000 18,646,000 18,605,000 18,481,000 18,440,000 10,300,000 10,568,000 10,276,000 10,288,000 10,335,000 10,113,000 10,358,000 10,428,000 10,300,000 10,452,000 10,778,000 11,024,000 11,386,000 993,000         
        securities available for sale
      		26,616,000 47,179,000 15,365,000 15,030,000 15,426,000 17,391,000 18,206,000 17,825,000 18,057,000 18,493,000 17,664,000 18,696,000 19,174,000 19,245,000 19,978,000 21,394,000 23,886,000 25,733,000 16,507,000 16,722,000 18,739,000 18,117,000 18,204,000 18,415,000 18,182,000 15,695,000 15,913,000 
        loans held for sale
      		 9,741,000 231,259,000 4,988,000 34,532,000  4,598,000  72,610,000 22,267,000       37,928,000         85,793,000  
        loans, less allowance for credit losses of 26,700 and 27,843, respectively
      		3,974,414,000                           
        accrued interest receivable
      		20,299,000 20,298,000 16,912,000 16,528,000 16,498,000 15,858,000 15,667,000 15,286,000 15,686,000 15,125,000 14,612,000 13,877,000 13,642,000 13,171,000 11,732,000 10,990,000 10,644,000 11,052,000 10,737,000 10,668,000 10,515,000 10,671,000 7,999,000 8,270,000 5,534,000 5,101,000 5,465,000 
        federal home loan bank stock
      		23,487,000 27,565,000 22,693,000 22,693,000 22,693,000 20,251,000 20,251,000 20,251,000 19,063,000 17,846,000 17,846,000 15,534,000 17,659,000 17,493,000 15,619,000 15,619,000 15,806,000 19,701,000 12,201,000 8,451,000 3,951,000 6,147,000 5,723,000 4,873,000 4,873,000 3,842,000 3,842,000 
        premises and equipment
      		29,633,000 29,879,000 17,836,000 17,872,000 18,045,000 18,276,000 18,158,000 18,160,000 18,081,000 18,132,000 17,459,000 16,374,000 15,165,000 14,257,000 13,664,000 12,847,000 12,814,000 13,068,000 13,302,000 13,557,000 13,663,000 13,854,000 14,083,000 14,231,000 14,344,000 14,460,000 14,484,000 
        operating lease right-of-use asset
      		14,412,000 15,193,000 7,712,000 8,197,000 7,906,000 7,850,000 7,171,000 7,599,000 8,030,000 8,472,000 7,340,000 7,761,000 8,030,000 8,463,000 8,835,000 8,518,000 8,925,000 9,338,000 9,672,000 10,078,000 10,483,000 10,348,000 10,786,000 11,220,000 11,663,000 11,957,000 12,431,000 
        foreclosed real estate
      		1,147,000 208,000 919,000 744,000 1,707,000 427,000 1,515,000 1,452,000 1,452,000 1,466,000 761,000 1,001,000 766,000 4,328,000 4,328,000 3,562,000 3,562,000 3,618,000 4,374,000 4,656,000 3,844,000 3,844,000 282,000 423,000 423,000 423,000 423,000 
        sba and usda servicing asset
      		11,267,000 10,601,000 6,988,000 6,823,000 7,167,000 7,274,000 7,309,000 7,108,000 7,611,000 7,251,000    7,085,000    10,234,000    9,643,000      
        mortgage servicing asset
      		1,484,000 1,660,000 1,662,000 1,676,000 1,476,000 1,409,000 1,296,000 1,454,000 937,000 1,273,000 1,823,000 2,514,000 3,205,000 3,973,000 4,975,000 6,090,000 6,925,000 7,747,000 8,593,000 9,529,000 11,722,000 12,991,000 14,599,000 16,064,000 16,791,000 18,068,000 17,740,000 
        bank owned life insurance
      		76,424,000 75,786,000 75,148,000 74,520,000 73,900,000 73,285,000 72,670,000 72,061,000 71,492,000 70,957,000 70,462,000 70,010,000 69,565,000 69,130,000 68,697,000 68,267,000 67,841,000 59,437,000 59,061,000 36,263,000 36,033,000 35,806,000 35,578,000 20,450,000 20,335,000 20,219,000 20,101,000 
        goodwill
      		56,048,000 56,048,000                          
        core deposit intangible
      		12,309,000 12,627,000                          
        interest rate derivatives
      		4,970,000 6,343,000 9,435,000 12,656,000 17,166,000 21,790,000 18,895,000 36,196,000 38,682,000 31,781,000 46,502,000 39,284,000 24,008,000 28,781,000              
        other assets
      		29,672,000 29,396,000 28,852,000 26,683,000 25,771,000 10,868,000 12,451,000 7,305,000 8,505,000 10,627,000 4,994,000 6,310,000 12,443,000 9,727,000 38,776,000 25,131,000 12,051,000 5,385,000 5,323,000 4,921,000 5,606,000 5,171,000 5,355,000 6,501,000 2,417,000 2,376,000 4,036,000 
        total assets
      		4,688,347,000 4,768,400,000 3,629,463,000 3,615,688,000 3,659,725,000 3,594,045,000 3,569,206,000 3,615,370,000 3,647,219,000 3,502,823,000 3,511,027,000 3,475,087,000 3,419,013,000 3,427,239,000 3,348,439,000 3,167,850,000 3,142,317,000 3,106,158,000 2,750,228,000 2,517,840,000 2,154,360,000 1,897,489,000 1,739,873,000 1,721,757,000 1,604,542,000 1,631,858,000 1,644,745,000 
        liabilities:
      		                           
        deposits:
      		                           
        non-interest-bearing demand
      		799,190,000  544,439,000 548,906,000 539,975,000  552,472,000 564,076,000 546,760,000  559,540,000 575,301,000 577,282,000  602,246,000 620,182,000 615,650,000  640,312,000 618,054,000 546,164,000  460,679,000 449,185,000 320,982,000  311,198,000 
        interest-bearing
      		2,827,484,000 2,865,173,000 2,148,645,000 2,140,587,000 2,197,055,000 2,200,522,000 2,170,648,000 2,181,784,000 2,267,098,000 2,218,891,000 2,159,048,000 2,123,181,000 2,066,811,000 2,054,847,000 1,968,607,000 1,776,826,000 1,766,491,000 1,670,576,000 1,471,515,000 1,356,777,000 1,199,756,000 1,016,980,000 877,112,000 900,713,000 921,899,000 1,015,369,000 1,024,154,000 
        total deposits
      		3,626,674,000 3,646,001,000 2,693,084,000 2,689,493,000 2,737,030,000 2,736,798,000 2,723,120,000 2,745,860,000 2,813,858,000 2,730,936,000 2,718,588,000 2,698,482,000 2,644,093,000 2,666,838,000 2,570,853,000 2,397,008,000 2,382,141,000 2,263,020,000 2,111,827,000 1,974,831,000 1,745,920,000 1,479,889,000 1,337,791,000 1,349,898,000 1,242,881,000 1,307,377,000 1,335,352,000 
        federal home loan bank advances
      		425,000,000 510,000,000 425,000,000 425,000,000 425,000,000 375,000,000 375,000,000 375,000,000 350,000,000 325,000,000 325,000,000 325,000,000 375,000,000 375,000,000 375,000,000 375,000,000 380,000,000 500,000,000 300,000,000 200,000,000 80,000,000 110,000,000 100,000,000 80,000,000 80,000,000 60,000,000 60,000,000 
        operating lease liability
      		14,516,000 15,306,000 7,704,000 8,222,000 7,962,000 7,940,000 7,295,000 7,743,000 8,189,000 8,651,000 7,537,000 7,985,000 8,438,000 8,885,000 9,303,000 9,031,000 9,445,000 9,861,000 10,241,000 10,648,000 11,048,000 10,910,000 11,342,000 11,769,000 12,198,000 12,476,000 12,922,000 
        accrued interest payable
      		10,200,000 10,731,000 3,567,000 3,438,000 3,487,000 3,498,000 3,593,000 3,482,000 3,059,000 4,133,000 3,915,000 3,859,000 3,681,000 2,739,000 1,489,000 703,000 207,000 204,000 208,000 202,000 206,000 222,000 310,000 549,000 760,000 890,000 940,000 
        other liabilities
      		57,801,000 42,178,000 54,220,000 53,435,000 58,277,000 49,456,000 53,013,000 76,057,000 75,509,000 52,586,000 71,283,000 66,211,000 34,453,000 23,964,000 42,369,000 62,640,000 59,709,000 42,391,000 51,330,000 67,431,000 61,332,000 51,154,000 52,843,000 47,060,000 41,871,000 31,262,000 37,955,000 
        total liabilities
      		4,134,191,000 4,224,216,000 3,183,575,000 3,179,588,000 3,231,756,000 3,172,692,000 3,162,021,000 3,208,142,000 3,250,615,000 3,121,306,000 3,126,323,000 3,101,924,000 3,066,052,000 3,077,818,000 2,999,410,000 2,844,781,000 2,831,907,000 2,815,935,000 2,474,074,000 2,253,586,000 1,898,985,000 1,652,658,000 1,502,777,000 1,492,336,000 1,380,807,000 1,415,134,000 1,450,323,000 
        shareholders’ equity:
      		                           
        preferred stock, 0.01 par value...
      		                           
        common stock, 0.01 par value...
      		286,000 1,159,000 255,000 255,000 254,000 254,000 253,000 253,000 252,000 252,000 252,000 253,000 251,000 252,000 254,000 255,000 255,000 255,000 255,000 256,000 257,000 257,000 257,000 257,000 255,000 255,000 243,000 
        additional paid-in capital
      		135,531,000 138,675,000 51,151,000 50,212,000 49,645,000 49,216,000 47,481,000 46,644,000 46,105,000 45,699,000 45,580,000 45,516,000 45,044,000 45,298,000 48,914,000 49,831,000 51,753,000 51,559,000 51,181,000 52,924,000 55,977,000 55,674,000 55,098,000 54,524,000 54,142,000 53,854,000 39,526,000 
        retained earnings
      		417,750,000 402,684,000 390,971,000 380,046,000 369,110,000 358,704,000 348,343,000 336,749,000 324,900,000 315,356,000 308,589,000 301,752,000 293,139,000 285,832,000 279,475,000 266,426,000 254,165,000 238,577,000 224,711,000 210,910,000 199,102,000 188,705,000 181,576,000 174,518,000 169,606,000 162,616,000 154,652,000 
        accumulated other comprehensive income
      		589,000 1,666,000 3,511,000 5,587,000 8,960,000 13,179,000 11,108,000 23,582,000 25,347,000 20,210,000 30,283,000 25,642,000 14,527,000 18,039,000 20,386,000 6,557,000 4,237,000 -168,000 7,000 164,000 39,000 195,000 165,000 122,000   1,000 
        total shareholders’ equity
      		554,156,000  445,888,000                         
        total liabilities and shareholders’ equity
      		4,688,347,000  3,629,463,000                         
        loans, less allowance for credit losses of 27,843 and 18,744, respectively
      		 4,023,554,000                          
        noninterest-bearing demand
      		 780,828,000                          
        shareholders' equity:
      		                           
        total shareholders' equity
      		 544,184,000  436,100,000 427,969,000 421,353,000 407,185,000 407,228,000 396,604,000 381,517,000 384,704,000 373,163,000 352,961,000 349,421,000 349,029,000 323,069,000 310,410,000 290,223,000 276,154,000 264,254,000 255,375,000 244,831,000 237,096,000 229,421,000 223,735,000 216,724,000 194,422,000 
        total liabilities and shareholders' equity
      		 4,768,400,000  3,615,688,000 3,659,725,000 3,594,045,000 3,569,206,000 3,615,370,000 3,647,219,000 3,502,823,000 3,511,027,000 3,475,087,000 3,419,013,000 3,427,239,000 3,348,439,000 3,167,850,000 3,142,317,000 3,106,158,000 2,750,228,000 2,517,840,000 2,154,360,000 1,897,489,000 1,739,873,000 1,721,757,000 1,604,542,000 1,631,858,000 1,644,745,000 
        loans, less allowance for credit losses of 17,940 and 18,744, respectively
      		  2,948,919,000                         
        loans, less allowance for credit losses of 18,748 and 18,744, respectively
      		   3,102,786,000                        
        loans, less allowance for credit losses of 18,592 and 18,744, respectively
      		    3,113,943,000                       
        loans, less allowance for credit losses of 18,744 and 18,112, respectively
      		     3,139,191,000                      
        non interest-bearing demand
      		     536,276,000    512,045,000    611,991,000    592,444,000    462,909,000    292,008,000  
        loans, less allowance for credit losses of 18,589 and 18,112, respectively
      		      3,069,237,000                     
        loans, less allowance for credit losses of 17,960 and 18,112, respectively
      		       3,072,538,000                    
        loans, less allowance for credit losses of 17,982 and 18,112, respectively
      		        3,097,889,000                   
        loans, less allowance for credit losses of 18,112 and 13,888, respectively
      		         3,123,993,000                  
        other borrowings
      		           387,000 387,000 392,000 396,000 399,000 405,000 459,000 468,000 474,000 479,000 483,000 491,000 3,060,000 3,097,000 3,129,000 3,154,000 
        ​
      		                           
        loans, less allowance for credit losses of 17,660 and 13,888, respectively
      		          3,012,287,000                 
        sba servicing asset
      		          7,107,000 8,018,000 7,791,000  8,324,000 8,216,000 10,554,000  10,916,000 11,155,000 10,535,000  10,173,000 8,446,000 7,598,000 8,188,000 8,566,000 
        loans, less allowance for credit losses of 18,091 and 13,888, respectively
      		           3,002,623,000                
        loans, less allowance for credit losses of 18,947 and 13,888, respectively
      		            2,993,073,000               
        loans, less allowance for loan losses of 13,888 and 16,952, respectively
      		             3,041,801,000              
        loans, less allowance for loan losses of 14,982 and 16,952, respectively
      		              2,963,336,000             
        loans, less allowance for loan losses of 16,678 and 16,952, respectively
      		               2,753,342,000            
        loans, less allowance for loan losses of 16,674 and 16,952, respectively
      		                2,495,626,000           
        loans, less allowance for loan losses of 16,952 and 10,135, respectively
      		                 2,488,118,000          
        loans, less allowance for loan losses of 16,445 and 10,135, respectively
      		                  2,345,260,000         
        loans, less allowance for loan losses of 13,860 and 10,135, respectively
      		                   2,077,907,000        
        loans, less allowance for loan losses of 11,735 and 10,135, respectively
      		                    1,855,050,000       
        securities purchased under agreements to resell
      		                      40,000,000 40,000,000 40,000,000 15,000,000 15,000,000 
        loans, less allowance for loan losses of 10,135 and 6,839, respectively
      		                     1,620,209,000      
        loans, less allowance for loan losses of 9,339 and 6,839, respectively
      		                      1,450,560,000     
        loans, less allowance for loan losses of 7,894 and 6,839, respectively
      		                       1,357,095,000    
        loans, less allowance for loan losses of 6,859 and 6,839, respectively
      		                        1,254,744,000   
        accumulated other comprehensive loss
      		                        -268,000   
        loans, less allowance for loan losses of 6,839 and 6,645, respectively
      		                         1,154,323,000  
        loans, less allowance for loan losses of 6,850 and 6,645, respectively
      		                          1,252,196,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 
                                 
          cash flow from operating activities:
        		                         
          net income
        		22,314,000 18,139,000 17,270,000 16,826,000 16,297,000 16,235,000 16,702,000 16,936,000 14,631,000 11,428,000 13,108,000 15,730,000 10,180,000 16,893,000 16,100,000 19,429,000 17,445,000 16,882,000 14,393,000 12,981,000 9,454,000 9,385,000 7,739,000 9,816,000 10,670,000 
          adjustments to reconcile net income to net cash from operating activities:
        		                         
          depreciation, amortization and accretion
        		686,000 859,000 970,000 850,000 832,000 760,000 726,000 722,000 752,000 711,000 544,000 705,000 1,210,000 1,249,000 705,000 711,000 636,000 721,000 720,000 732,000 736,000 734,000 743,000 716,000 746,000 
          provision (recovery) for credit losses
        		-813,000                         
          stock based compensation expense
        		426,000 940,000 939,000 599,000 429,000 836,000 837,000 550,000 406,000 824,000 474,000 298,000 689,000 689,000 359,000 194,000 378,000 378,000 368,000 303,000 576,000 574,000 384,000 288,000 429,000 
          unrealized gains recognized on equity securities
        		82,000                         
          gain on sale of securities
        		-10,000                         
          write-down of foreclosed real estate
        		30,000                         
          gain on sale of residential real estate loans
        		  -166,000 -579,000 -399,000  -748,000 -955,000 -222,000                 
          origination of sba loans held for sale
        		-8,947,000 -10,009,000 -11,111,000 -20,707,000 -8,154,000 -15,029,000 -34,297,000 0 -24,631,000 -5,235,000 -30,834,000 -36,969,000 0 -8,686,000 0 -23,391,000 -31,298,000 -38,275,000 -34,540,000 -22,949,000 -32,612,000 -38,485,000 -35,668,000 -30,609,000 -30,994,000 
          proceeds from sales of sba loans held for sale
        		19,733,000 7,739,000 11,735,000 23,487,000 10,113,000 20,438,000 30,782,000 0 25,682,000 5,479,000 31,888,000 38,938,000 0 9,186,000 0 24,959,000 34,193,000 41,633,000 37,385,000 24,803,000 34,237,000 40,750,000 36,944,000 31,910,000 32,142,000 
          gain on sale of sba loans
        		-1,045,000 -463,000 -558,000 -643,000 -658,000 -811,000 -1,083,000 0 -1,051,000 -244,000 -1,054,000 -1,969,000 0 -500,000 0 -1,568,000 -2,895,000 -3,358,000 -2,845,000 -1,854,000 -1,625,000 -2,265,000 -1,276,000 -1,301,000 -1,148,000 
          increase in cash value of bank owned life insurance
        		-638,000 -638,000 -628,000 -620,000 -615,000 -615,000 -609,000 -569,000 -535,000 -452,000 -445,000 -435,000 -433,000 -430,000 -426,000 -404,000 -376,000 -298,000 -230,000 -227,000 -228,000 -128,000 -115,000 -116,000 -118,000 
          increase in accrued interest receivable
        		-1,000 -630,000 -384,000 -30,000 -640,000 -191,000 -381,000 400,000 -561,000   -471,000 -1,439,000    -315,000    -2,672,000 271,000 -2,736,000 -433,000 364,000 
          decrease in sba and usda servicing rights
        		-666,000 238,000 -165,000 344,000 107,000                     
          decrease in mortgage servicing rights
        		176,000    -67,000 -113,000 158,000 -517,000 336,000 691,000 691,000 768,000 1,002,000 1,115,000 835,000 822,000 846,000 936,000 2,193,000 1,269,000 1,608,000 1,465,000 727,000 1,277,000  
          increase in state tax credits
        		  0 1,145,000 -12,600,000                     
          decrease in other assets
        		143,000 1,668,000 -1,363,000 -746,000 -928,000 725,000 -264,000 1,905,000 168,000 -489,000         642,000 -381,000    29,000 1,644,000 
          decrease in accrued interest payable
        		-531,000   -49,000 -11,000            -4,000 6,000 -4,000 -16,000      
          increase in other liabilities
        		14,871,000 -21,958,000 464,000   -3,695,000 -23,975,000 79,000 22,897,000 4,619,000 32,474,000 9,410,000   2,358,000 16,915,000 -9,138,000 -16,692,000 5,682,000 9,739,000 -186,000 5,388,000 4,742,000 10,181,000 -8,155,000 
          net cash flow from operating activities
        		45,810,000 -5,139,000 16,479,000 14,451,000 11,911,000 19,271,000 -11,490,000 19,361,000 36,359,000 17,668,000 47,200,000 25,533,000 -8,913,000 -2,111,000 51,302,000 94,416,000 10,540,000 4,434,000 25,196,000 25,263,000  18,439,000    
          cash flow from investing activities:
        		                         
          purchases of equity securities
        		 0 0 0 -8,000,000            -10,500,000         
          proceeds from maturities, calls or paydowns of securities available for sale
        		909,000 427,000 110,000 115,000 1,991,000 137,000 137,000 232,000 134,000 212,000 310,000 421,000 894,000 503,000 1,144,000 345,000 312,000 187,000 2,167,000 185,000 2,372,000 262,000 227,000 885,000 224,000 
          proceeds from sales of securities available for sale
        		19,328,000                         
          purchase of federal home loan bank stock
        		4,078,000 0 0 0 -2,442,000    -1,217,000        -7,500,000 -3,750,000    -850,000 0 -1,031,000  
          proceeds from sales of residential real estate loans
        		 200,361,000 18,415,000 54,888,000 40,450,000  54,718,000 112,207,000 22,489,000    0 0 38,734,000 58,198,000     0 0 0 95,314,000 109,364,000 
          decrease in loans
        		49,040,000      -51,983,000 -13,186,000 -46,372,000 -9,229,000 -9,367,000 43,673,000              
          purchases of premises and equipment
        		733,000 -225,000 -261,000 -118,000 -70,000 -409,000 -280,000 -354,000 -243,000 -1,359,000 -1,467,000 -1,162,000 -925,000 -1,090,000 -313,000 -26,000 -51,000 -43,000 -191,000 -99,000 -56,000 -139,000 -176,000 -166,000 -240,000 
          net cash flow (used) provided by investing activities
        		74,088,000        -25,209,000               -129,352,000  
          cash flow from financing activities:
        		                         
          dividends paid on common stock
        		-7,203,000 -6,286,000 -6,874,000 -5,842,000 -5,843,000 -5,826,000 -5,143,000 -5,041,000 -5,041,000 -4,608,000 -4,527,000 -4,526,000 -3,797,000 -3,853,000 -3,819,000 -3,821,000 -3,560,000 -3,097,000 -2,568,000 -2,567,000 -2,310,000 -2,359,000 -2,809,000 -2,807,000 -2,778,000 
          repurchases of common stock
        		-4,443,000  0    0   -761,000 0 -553,000  -1,607,000    -2,122,000        
          increase in deposits
        		-19,327,000   -47,537,000 232,000 13,678,000 -22,740,000 -67,998,000 82,922,000 20,106,000 54,389,000 -22,745,000 95,985,000 173,845,000 14,867,000 119,121,000 151,193,000 136,996,000 228,911,000 266,031,000 142,098,000 -12,107,000 107,017,000 -64,496,000 -27,975,000 
          premiums paid for interest rate caps
        		 0 0 0 -1,116,000                     
          proceeds from federal home loan bank advances
        		 0 0 50,000,000 50,000,000 0 0 375,000,000 75,000,000 0 150,000,000 125,000,000 50,000,000 100,000,000   370,000,000 150,000,000    20,000,000 0 20,000,000  
          repayments of federal home loan bank advances
        		-85,000,000 0 0   0 0 -350,000,000 -50,000,000 0 -200,000,000 -125,000,000 -50,000,000 -100,000,000 -380,000,000 -120,000,000 -170,000,000 -50,000,000 0 -30,000,000      
          net cash flow (used) provided by financing activities
        		-115,973,000              3,761,000 -4,754,000        -47,335,000  
          net change in cash and cash equivalents
        		3,925,000 156,518,000 -58,853,000 956,000 35,180,000 -41,339,000 -36,645,000 69,023,000 114,031,000 19,330,000 38,663,000 44,579,000 -238,000 -43,373,000 -201,635,000 -16,610,000 188,052,000 -60,644,000 139,714,000 23,531,000 24,157,000 -89,238,000 8,131,000 -68,775,000 1,865,000 
          cash and cash equivalents at beginning of period
        		383,676,000 0 0 0 249,875,000 0 0 0 144,805,000 0 0 179,485,000 0 0 0 441,341,000 0 0 0 150,688,000 0 0 0 276,413,000 0 
          cash and cash equivalents at end of period
        		387,601,000 156,518,000 -58,853,000 956,000 285,055,000 -41,339,000 -36,645,000 69,023,000 258,836,000 19,330,000 38,663,000 224,064,000 -238,000 -43,373,000 -201,635,000 424,731,000 188,052,000 -60,644,000 139,714,000 174,219,000 24,157,000 -89,238,000 8,131,000 207,638,000 1,865,000 
          supplemental schedule of noncash investing and financing activities:
        		                         
          transfer of loans held for investment to loans held for sale
        		  244,586,000                       
          transfer of loan principal to foreclosed real estate, net of write-downs
        		969,000 0 175,000 744,000 1,280,000 0    0   0    56,000 0   3,562,000 0 0 1,360,000 0 
          supplemental disclosures of cash flow information - cash paid during the year for:
        		                         
          interest
        		27,034,000 25,466,000 22,082,000 21,920,000 21,976,000 22,649,000 23,403,000 23,003,000 26,347,000 24,499,000 22,334,000 18,790,000 13,745,000 7,723,000 2,309,000 1,297,000 1,240,000 1,129,000 1,067,000 1,154,000 1,499,000 2,431,000 3,451,000 4,776,000 5,731,000 
          income taxes
        		557,000 3,119,000 6,200,000 11,397,000 1,063,000 4,947,000 6,894,000 9,437,000 225,000 6,292,000 6,787,000 686,000 10,879,000 8,979,000 13,965,000 488,000 5,574,000 7,805,000 9,866,000 261,000 3,132,000 10,244,000 879,000 516,000 2,100,000 
          provision for credit losses
        		 -39,000 -543,000 129,000 135,000 202,000 582,000 -128,000 -140,000 -381,000                
          unrealized losses recognized on equity securities
        		   -41,000 -140,000 268,000 -292,000 12,000 47,000 245,000 70,000 -128,000 152,000 326,000 246,000 362,000 107,000         
          loss on sale of foreclosed real estate
        		     -26,000    0 0 -547,000 0 0 0 15,000 15,000         
          writedown of foreclosed real estate
        		       0 14,000            0     
          deferred income tax expense
        		                         
          gain on sale of residential mortgages
        		            0 0 -806,000 -1,211,000     0 0 0 -2,529,000 -2,687,000 
          decrease in state tax credits
        		                         
          increase in accrued interest payable
        		 -1,134,000    -95,000 111,000 423,000 -1,074,000 56,000 178,000 942,000 1,250,000 786,000 496,000 3,000       -211,000 -130,000 -50,000 
          increase in loans
        		 -31,457,000 -90,313,000 -16,705,000 -51,933,000        -77,297,000 -209,057,000 -257,716,000 -102,527,000 -143,460,000 -269,932,000 -225,874,000 -236,440,000  -94,915,000 -103,412,000 -101,781,000  
          proceeds from sales of foreclosed real estate owned
        		 711,000 0   1,128,000    0 0 4,109,000 0 0 0 41,000 797,000    0 0 0 1,459,000  
          net cash acquired in first ic acquisition
        		                         
          net cash flow from (used by) investing activities
        		                         
          decrease in other borrowings
        		         -387,000 0 -5,000 -4,000 -3,000 -6,000 -54,000 -9,000 -6,000 -5,000 -4,000 -8,000 -2,569,000 -37,000 -32,000 -25,000 
          exercise of stock options
        		                         
          repurchase of common stock
        		                        0 
          stock issuance costs
        		                         
          net cash flow (used by) provided by financing activities
        		                         
          transfer of residential real estate loans to loans held for sale
        		    75,884,000 0 53,970,000 38,642,000 72,610,000     0            
          initial recognition of operating lease right-of-use assets
        		 1,650,000           488,000    0 0 0 560,000 0 0 0 131,000 0 
          initial recognition of operating lease liabilities
        		 1,650,000           488,000    0 0 0 560,000 0 0 0 131,000 0 
          in conjunction with the first ic acquisition, assets were acquired and liabilities were assumed as follows:
        		                         
          common stock issued for first ic acquisition
        		                         
          fair value of assets acquired, net of cash acquired
        		                         
          fair value of liabilities assumed
        		                         
          gain on sale of foreclosed real estate
        		  0                  0 0 0 -99,000  
          increase in mortgage servicing rights
        		  14,000                      -328,000 
          decrease in deposits
        		                         
          net cash flow used in investing activities
        		   39,915,000 -20,004,000                     
          net cash flow from financing activities
        		   -53,410,000 43,273,000        87,877,000    347,624,000 231,771,000   149,780,000 2,965,000   -16,867,000 
          decrease in other liabilities
        		    8,210,000                     
          (purchase) redemption of federal home loan bank stock
        		           -166,000             0 
          purchase of bank owned life insurance
        		            0 0 0 -8,000,000 0    0     
          net cash flow used by investing activities
        		            -79,202,000 -209,644,000 -256,698,000 -106,272,000 -170,112,000 -296,849,000 -228,398,000 -235,192,000  -110,642,000    
          increase in sba and usda servicing rights
        		        -360,000                 
          net cash flow from investing activities
        		      2,728,000                   
          net cash flow provided (used) by financing activities
        		      -27,883,000 -48,049,000 102,881,000           233,460,000      
          decrease in sba servicing rights
        		         911,000    -108,000      -892,000    590,000 378,000 
          net cash flow provided (used) by investing activities
        		         -12,688,000 -8,399,000 46,875,000              
          net cash flow used by financing activities
        		         14,350,000 -138,000 -27,829,000              
          decrease in accrued interest receivable
        		              -346,000 408,000   -153,000 156,000      
          redemption of federal home loan bank stock
        		               3,895,000          
          increase in sba servicing rights
        		           -706,000    -320,000  239,000    -1,727,000    
          increase in other assets
        		           -33,000    -810,000      1,125,000    
          provision for loan losses
        		            -1,168,000 -1,703,000 0 104,000 546,000 2,579,000 2,205,000 1,599,000 956,000 1,450,000    
          origination of residential real estate loans held for sale
        		                    0 0 0 -6,992,000 -192,470,000 
          redemption of securities under resell agreements
        		                         
          purchases of securities available for sale
        		                -9,710,000 0 0 -1,034,000 -2,233,000 0 -1,000 -3,718,000  
          redemption (purchase) of federal home loan bank stock
        		            -1,874,000 0      2,196,000      
          transfer of loans to loans held for sale
        		               94,915,000          
          issuance of common stock, net of expenses
        		                         
          purchases of securities under resell agreements
        		                     0 0 -25,000,000  
          adjustments to reconcile net income to net cash provided (used) by operating activities:
        		                         
          net cash flow provided (used) by operating activities
        		                       107,912,000 -79,125,000 
          proceeds (repayments) from federal home loan bank advances
        		                        0 
          write-down of abandoned leasehold improvements