3.26.1 html 387 412 1 false 80 0 false 7 false false R1.htm 995200090 - Document - Document and Entity Information Sheet http://metrocitybank.bank/role/DocumentDocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 995200100 - Statement - CONSOLIDATED BALANCE SHEETS Sheet http://metrocitybank.bank/role/StatementConsolidatedBalanceSheets CONSOLIDATED BALANCE SHEETS Statements 2 false false R3.htm 995200105 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) Sheet http://metrocitybank.bank/role/StatementConsolidatedBalanceSheetsParenthetical CONSOLIDATED BALANCE SHEETS (Parenthetical) Statements 3 false false R4.htm 995200200 - Statement - CONSOLIDATED STATEMENTS OF INCOME Sheet http://metrocitybank.bank/role/StatementConsolidatedStatementsOfIncome CONSOLIDATED STATEMENTS OF INCOME Statements 4 false false R5.htm 995200300 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Sheet http://metrocitybank.bank/role/StatementConsolidatedStatementsOfComprehensiveIncome CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Statements 5 false false R6.htm 995200400 - Statement - CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY Sheet http://metrocitybank.bank/role/StatementConsolidatedStatementsOfShareholdersEquity CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY Statements 6 false false R7.htm 995200405 - Statement - CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) Sheet http://metrocitybank.bank/role/StatementConsolidatedStatementsOfShareholdersEquityParenthetical CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) Statements 7 false false R8.htm 995200500 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS Sheet http://metrocitybank.bank/role/StatementConsolidatedStatementsOfCashFlows CONSOLIDATED STATEMENTS OF CASH FLOWS Statements 8 false false R9.htm 995210101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Sheet http://metrocitybank.bank/role/DisclosureSummaryOfSignificantAccountingPolicies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Notes 9 false false R10.htm 995210201 - Disclosure - BUSINESS COMBINATIONS Sheet http://metrocitybank.bank/role/DisclosureBusinessCombinations BUSINESS COMBINATIONS Notes 10 false false R11.htm 995210301 - Disclosure - INVESTMENT SECURITIES Sheet http://metrocitybank.bank/role/DisclosureInvestmentSecurities INVESTMENT SECURITIES Notes 11 false false R12.htm 995210401 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLosses LOANS AND ALLOWANCE FOR CREDIT LOSSES Notes 12 false false R13.htm 995210501 - Disclosure - SBA AND USDA LOAN SERVICING Sheet http://metrocitybank.bank/role/DisclosureSbaAndUsdaLoanServicing SBA AND USDA LOAN SERVICING Notes 13 false false R14.htm 995210601 - Disclosure - RESIDENTIAL MORTGAGE LOAN SERVICING Sheet http://metrocitybank.bank/role/DisclosureResidentialMortgageLoanServicing RESIDENTIAL MORTGAGE LOAN SERVICING Notes 14 false false R15.htm 995210701 - Disclosure - FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS Sheet http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowings FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS Notes 15 false false R16.htm 995210801 - Disclosure - OPERATING LEASES Sheet http://metrocitybank.bank/role/DisclosureOperatingLeases OPERATING LEASES Notes 16 false false R17.htm 995210901 - Disclosure - INTEREST RATE DERIVATIVES Sheet http://metrocitybank.bank/role/DisclosureInterestRateDerivatives INTEREST RATE DERIVATIVES Notes 17 false false R18.htm 995211001 - Disclosure - LOAN COMMITMENTS AND RELATED FINANCIAL INSTRUMENTS Sheet http://metrocitybank.bank/role/DisclosureLoanCommitmentsAndRelatedFinancialInstruments LOAN COMMITMENTS AND RELATED FINANCIAL INSTRUMENTS Notes 18 false false R19.htm 995211101 - Disclosure - FAIR VALUE Sheet http://metrocitybank.bank/role/DisclosureFairValue FAIR VALUE Notes 19 false false R20.htm 995211201 - Disclosure - REGULATORY MATTERS Sheet http://metrocitybank.bank/role/DisclosureRegulatoryMatters REGULATORY MATTERS Notes 20 false false R21.htm 995211301 - Disclosure - STOCK BASED COMPENSATION Sheet http://metrocitybank.bank/role/DisclosureStockBasedCompensation STOCK BASED COMPENSATION Notes 21 false false R22.htm 995211401 - Disclosure - EARNINGS PER SHARE Sheet http://metrocitybank.bank/role/DisclosureEarningsPerShare EARNINGS PER SHARE Notes 22 false false R23.htm 995410 - Disclosure - Pay vs Performance Disclosure Sheet http://xbrl.sec.gov/ecd/role/PvpDisclosure Pay vs Performance Disclosure Notes 23 false false R24.htm 995445 - Disclosure - Insider Trading Arrangements Sheet http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements Insider Trading Arrangements Notes 24 false false R25.htm 99920102 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) Sheet http://metrocitybank.bank/role/DisclosureSummaryOfSignificantAccountingPoliciesPolicies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) Policies 25 false false R26.htm 99930203 - Disclosure - BUSINESS COMBINATIONS (Tables) Sheet http://metrocitybank.bank/role/DisclosureBusinessCombinationsTables BUSINESS COMBINATIONS (Tables) Tables http://metrocitybank.bank/role/DisclosureBusinessCombinations 26 false false R27.htm 99930303 - Disclosure - INVESTMENT SECURITIES (Tables) Sheet http://metrocitybank.bank/role/DisclosureInvestmentSecuritiesTables INVESTMENT SECURITIES (Tables) Tables http://metrocitybank.bank/role/DisclosureInvestmentSecurities 27 false false R28.htm 99930403 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesTables LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) Tables http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLosses 28 false false R29.htm 99930503 - Disclosure - SBA AND USDA LOAN SERVICING (Tables) Sheet http://metrocitybank.bank/role/DisclosureSbaAndUsdaLoanServicingTables SBA AND USDA LOAN SERVICING (Tables) Tables http://metrocitybank.bank/role/DisclosureSbaAndUsdaLoanServicing 29 false false R30.htm 99930603 - Disclosure - RESIDENTIAL MORTGAGE LOAN SERVICING (Tables) Sheet http://metrocitybank.bank/role/DisclosureResidentialMortgageLoanServicingTables RESIDENTIAL MORTGAGE LOAN SERVICING (Tables) Tables http://metrocitybank.bank/role/DisclosureResidentialMortgageLoanServicing 30 false false R31.htm 99930703 - Disclosure - FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS (Tables) Sheet http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowingsTables FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS (Tables) Tables http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowings 31 false false R32.htm 99930803 - Disclosure - OPERATING LEASES (Tables) Sheet http://metrocitybank.bank/role/DisclosureOperatingLeasesTables OPERATING LEASES (Tables) Tables http://metrocitybank.bank/role/DisclosureOperatingLeases 32 false false R33.htm 99930903 - Disclosure - INTEREST RATE DERIVATIVES (Tables) Sheet http://metrocitybank.bank/role/DisclosureInterestRateDerivativesTables INTEREST RATE DERIVATIVES (Tables) Tables http://metrocitybank.bank/role/DisclosureInterestRateDerivatives 33 false false R34.htm 99931003 - Disclosure - LOAN COMMITMENTS AND RELATED FINANCIAL INSTRUMENTS (Tables) Sheet http://metrocitybank.bank/role/DisclosureLoanCommitmentsAndRelatedFinancialInstrumentsTables LOAN COMMITMENTS AND RELATED FINANCIAL INSTRUMENTS (Tables) Tables http://metrocitybank.bank/role/DisclosureLoanCommitmentsAndRelatedFinancialInstruments 34 false false R35.htm 99931103 - Disclosure - FAIR VALUE (Tables) Sheet http://metrocitybank.bank/role/DisclosureFairValueTables FAIR VALUE (Tables) Tables http://metrocitybank.bank/role/DisclosureFairValue 35 false false R36.htm 99931203 - Disclosure - REGULATORY MATTERS (Tables) Sheet http://metrocitybank.bank/role/DisclosureRegulatoryMattersTables REGULATORY MATTERS (Tables) Tables http://metrocitybank.bank/role/DisclosureRegulatoryMatters 36 false false R37.htm 99931303 - Disclosure - STOCK BASED COMPENSATION (Tables) Sheet http://metrocitybank.bank/role/DisclosureStockBasedCompensationTables STOCK BASED COMPENSATION (Tables) Tables http://metrocitybank.bank/role/DisclosureStockBasedCompensation 37 false false R38.htm 99931403 - Disclosure - EARNINGS PER SHARE (Tables) Sheet http://metrocitybank.bank/role/DisclosureEarningsPerShareTables EARNINGS PER SHARE (Tables) Tables http://metrocitybank.bank/role/DisclosureEarningsPerShare 38 false false R39.htm 99940101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Basis of presentation (Details) Sheet http://metrocitybank.bank/role/DisclosureSummaryOfSignificantAccountingPoliciesBasisOfPresentationDetails SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Basis of presentation (Details) Details 39 false false R40.htm 99940201 - Disclosure - BUSINESS COMBINATIONS - Other Information (Details) Sheet http://metrocitybank.bank/role/DisclosureBusinessCombinationsOtherInformationDetails BUSINESS COMBINATIONS - Other Information (Details) Details 40 false false R41.htm 99940202 - Disclosure - BUSINESS COMBINATIONS - Consideration, Assets and Liabilities Assumed (Details) Sheet http://metrocitybank.bank/role/DisclosureBusinessCombinationsConsiderationAssetsAndLiabilitiesAssumedDetails BUSINESS COMBINATIONS - Consideration, Assets and Liabilities Assumed (Details) Details 41 false false R42.htm 99940203 - Disclosure - BUSINESS COMBINATIONS - Proforma Results (Details) Sheet http://metrocitybank.bank/role/DisclosureBusinessCombinationsProformaResultsDetails BUSINESS COMBINATIONS - Proforma Results (Details) Details 42 false false R43.htm 99940301 - Disclosure - INVESTMENT SECURITIES - Amortized cost, gross unrealized gains and losses (Details) Sheet http://metrocitybank.bank/role/DisclosureInvestmentSecuritiesAmortizedCostGrossUnrealizedGainsAndLossesDetails INVESTMENT SECURITIES - Amortized cost, gross unrealized gains and losses (Details) Details 43 false false R44.htm 99940302 - Disclosure - INVESTMENT SECURITIES - Expected maturities (Details) Sheet http://metrocitybank.bank/role/DisclosureInvestmentSecuritiesExpectedMaturitiesDetails INVESTMENT SECURITIES - Expected maturities (Details) Details 44 false false R45.htm 99940303 - Disclosure - INVESTMENT SECURITIES - Aggregated by investment category and lengths of time (Details) Sheet http://metrocitybank.bank/role/DisclosureInvestmentSecuritiesAggregatedByInvestmentCategoryAndLengthsOfTimeDetails INVESTMENT SECURITIES - Aggregated by investment category and lengths of time (Details) Details 45 false false R46.htm 99940401 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Major classifications of loans (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesMajorClassificationsOfLoansDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Major classifications of loans (Details) Details 46 false false R47.htm 99940402 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesAllowanceForCreditLossesDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses (Details) Details 47 false false R48.htm 99940403 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Collateral-Dependent Loans (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesCollateralDependentLoansDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Collateral-Dependent Loans (Details) Details 48 false false R49.htm 99940404 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Past due and nonaccrual loans by portfolio segment (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesPastDueAndNonaccrualLoansByPortfolioSegmentDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Past due and nonaccrual loans by portfolio segment (Details) Details 49 false false R50.htm 99940405 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of nonaccrual loans (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesAnalysisOfNonaccrualLoansDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of nonaccrual loans (Details) Details 50 false false R51.htm 99940406 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Risk ratings (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesRiskRatingsDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Risk ratings (Details) Details 51 false false R52.htm 99940407 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Troubled Debt Restructures (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesTroubledDebtRestructuresDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Troubled Debt Restructures (Details) Details 52 false false R53.htm 99940408 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amortized cost basis of loan modifications made to borrowers experiencing financial difficulty (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesAmortizedCostBasisOfLoanModificationsMadeToBorrowersExperiencingFinancialDifficultyDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amortized cost basis of loan modifications made to borrowers experiencing financial difficulty (Details) Details 53 false false R54.htm 99940409 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financial effect of loan modifications made to borrowers experiencing financial difficulty (Details) Sheet http://metrocitybank.bank/role/DisclosureLoansAndAllowanceForCreditLossesFinancialEffectOfLoanModificationsMadeToBorrowersExperiencingFinancialDifficultyDetails LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financial effect of loan modifications made to borrowers experiencing financial difficulty (Details) Details 54 false false R55.htm 99940501 - Disclosure - SBA AND USDA LOAN SERVICING - Other information (Details) Sheet http://metrocitybank.bank/role/DisclosureSbaAndUsdaLoanServicingOtherInformationDetails SBA AND USDA LOAN SERVICING - Other information (Details) Details 55 false false R56.htm 99940502 - Disclosure - SBA AND USDA LOAN SERVICING - Activity for SBA loan servicing rights (Details) Sheet http://metrocitybank.bank/role/DisclosureSbaAndUsdaLoanServicingActivityForSbaLoanServicingRightsDetails SBA AND USDA LOAN SERVICING - Activity for SBA loan servicing rights (Details) Details 56 false false R57.htm 99940601 - Disclosure - RESIDENTIAL MORTGAGE LOAN SERVICING - Activity for mortgage loan servicing rights (Details) Sheet http://metrocitybank.bank/role/DisclosureResidentialMortgageLoanServicingActivityForMortgageLoanServicingRightsDetails RESIDENTIAL MORTGAGE LOAN SERVICING - Activity for mortgage loan servicing rights (Details) Details 57 false false R58.htm 99940602 - Disclosure - RESIDENTIAL MORTGAGE LOAN SERVICING - Other information (Details) Sheet http://metrocitybank.bank/role/DisclosureResidentialMortgageLoanServicingOtherInformationDetails RESIDENTIAL MORTGAGE LOAN SERVICING - Other information (Details) Details 58 false false R59.htm 99940701 - Disclosure - FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS - Tabular (Details) Sheet http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowingsTabularDetails FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS - Tabular (Details) Details http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowingsTables 59 false false R60.htm 99940702 - Disclosure - FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS - Other (Details) Sheet http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowingsOtherDetails FEDERAL HOME LOAN BANK ADVANCES & OTHER BORROWINGS - Other (Details) Details http://metrocitybank.bank/role/DisclosureFederalHomeLoanBankAdvancesOtherBorrowingsTables 60 false false R61.htm 99940801 - Disclosure - OPERATING LEASES - Other information (Details) Sheet http://metrocitybank.bank/role/DisclosureOperatingLeasesOtherInformationDetails OPERATING LEASES - Other information (Details) Details 61 false false R62.htm 99940802 - Disclosure - OPERATING LEASES - Lease cost (Details) Sheet http://metrocitybank.bank/role/DisclosureOperatingLeasesLeaseCostDetails OPERATING LEASES - Lease cost (Details) Details 62 false false R63.htm 99940803 - Disclosure - OPERATING LEASES - Maturities (Details) Sheet http://metrocitybank.bank/role/DisclosureOperatingLeasesMaturitiesDetails OPERATING LEASES - Maturities (Details) Details 63 false false R64.htm 99940804 - Disclosure - OPERATING LEASES - Supplemental Lease Information (Details) Sheet http://metrocitybank.bank/role/DisclosureOperatingLeasesSupplementalLeaseInformationDetails OPERATING LEASES - Supplemental Lease Information (Details) Details 64 false false R65.htm 99940901 - Disclosure - INTEREST RATE DERIVATIVES - Other (Details) Sheet http://metrocitybank.bank/role/DisclosureInterestRateDerivativesOtherDetails INTEREST RATE DERIVATIVES - Other (Details) Details 65 false false R66.htm 99940902 - Disclosure - INTEREST RATE DERIVATIVES - Summary information for the interest rate swaps (Details) Sheet http://metrocitybank.bank/role/DisclosureInterestRateDerivativesSummaryInformationForInterestRateSwapsDetails INTEREST RATE DERIVATIVES - Summary information for the interest rate swaps (Details) Details 66 false false R67.htm 99941001 - Disclosure - LOAN COMMITMENTS AND RELATED FINANCIAL INSTRUMENTS (Details) Sheet http://metrocitybank.bank/role/DisclosureLoanCommitmentsAndRelatedFinancialInstrumentsDetails LOAN COMMITMENTS AND RELATED FINANCIAL INSTRUMENTS (Details) Details http://metrocitybank.bank/role/DisclosureLoanCommitmentsAndRelatedFinancialInstrumentsTables 67 false false R68.htm 99941101 - Disclosure - FAIR VALUE - Assets and liabilities (Details) Sheet http://metrocitybank.bank/role/DisclosureFairValueAssetsAndLiabilitiesDetails FAIR VALUE - Assets and liabilities (Details) Details 68 false false R69.htm 99941102 - Disclosure - FAIR VALUE - Level 3 reconciliation (Details) Sheet http://metrocitybank.bank/role/DisclosureFairValueLevel3ReconciliationDetails FAIR VALUE - Level 3 reconciliation (Details) Details 69 false false R70.htm 99941103 - Disclosure - FAIR VALUE - Inputs and Valuation technique (Details) Sheet http://metrocitybank.bank/role/DisclosureFairValueInputsAndValuationTechniqueDetails FAIR VALUE - Inputs and Valuation technique (Details) Details 70 false false R71.htm 99941104 - Disclosure - FAIR VALUE - Carrying amounts and Estimated fair values (Details) Sheet http://metrocitybank.bank/role/DisclosureFairValueCarryingAmountsAndEstimatedFairValuesDetails FAIR VALUE - Carrying amounts and Estimated fair values (Details) Details 71 false false R72.htm 99941201 - Disclosure - REGULATORY MATTERS (Details) Sheet http://metrocitybank.bank/role/DisclosureRegulatoryMattersDetails REGULATORY MATTERS (Details) Details http://metrocitybank.bank/role/DisclosureRegulatoryMattersTables 72 false false R73.htm 99941301 - Disclosure - STOCK BASED COMPENSATION - 2018 Incentive Plan (Details) Sheet http://metrocitybank.bank/role/DisclosureStockBasedCompensation2018IncentivePlanDetails STOCK BASED COMPENSATION - 2018 Incentive Plan (Details) Details 73 false false R74.htm 99941302 - Disclosure - STOCK BASED COMPENSATION - Stock Options (Details) Sheet http://metrocitybank.bank/role/DisclosureStockBasedCompensationStockOptionsDetails STOCK BASED COMPENSATION - Stock Options (Details) Details 74 false false R75.htm 99941303 - Disclosure - STOCK BASED COMPENSATION - Restricted Stock (Details) Sheet http://metrocitybank.bank/role/DisclosureStockBasedCompensationRestrictedStockDetails STOCK BASED COMPENSATION - Restricted Stock (Details) Details 75 false false R76.htm 99941304 - Disclosure - STOCK BASED COMPENSATION - Other (Details) Sheet http://metrocitybank.bank/role/DisclosureStockBasedCompensationOtherDetails STOCK BASED COMPENSATION - Other (Details) Details 76 false false R77.htm 99941401 - Disclosure - EARNINGS PER SHARE (Details) Sheet http://metrocitybank.bank/role/DisclosureEarningsPerShareDetails EARNINGS PER SHARE (Details) Details http://metrocitybank.bank/role/DisclosureEarningsPerShareTables 77 false false All Reports Book All Reports mcbs-20260630.xsd mcbs-20260630_cal.xml mcbs-20260630_def.xml mcbs-20260630_lab.xml mcbs-20260630_pre.xml mcbs-20260630x10q.htm http://fasb.org/us-gaap/2025 http://xbrl.sec.gov/dei/2025 http://xbrl.sec.gov/ecd/2025 true true