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  <xsd:element name="InvestmentSecuritiesFairValueDisclosure" id="mcbs_InvestmentSecuritiesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="mcbs_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="MortgageServicingAssetsFairValueDisclosure" id="mcbs_MortgageServicingAssetsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AccruedInterestPayableFairValueDisclosure" id="mcbs_AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="mcbs_DebtSecuritiesAvailableForSalePercentageOfDepreciation" name="DebtSecuritiesAvailableForSalePercentageOfDepreciation" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="SbaAndUsdaLoanServicingAbstract" id="mcbs_SbaAndUsdaLoanServicingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbaAndUsdaLoanServicingTextBlock" id="mcbs_SbaAndUsdaLoanServicingTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SbaAndUsdaLoanMember" id="mcbs_SbaAndUsdaLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UnpaidPrincipalBalanceOfServicedLoans" id="mcbs_UnpaidPrincipalBalanceOfServicedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LesseeOperatingLeaseNumberOfRenewalOptions" id="mcbs_LesseeOperatingLeaseNumberOfRenewalOptions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConsumerAndOtherFinancingReceivablesMember" id="mcbs_ConsumerAndOtherFinancingReceivablesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankAdvancesAndOtherBorrowingsAbstract" id="mcbs_FederalHomeLoanBankAdvancesAndOtherBorrowingsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankAdvancesAndOtherBorrowingsTextBlock" id="mcbs_FederalHomeLoanBankAdvancesAndOtherBorrowingsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="UnsecuredFederalFundsMember" id="mcbs_UnsecuredFederalFundsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalReserveDiscountWindowFundsMember" id="mcbs_FederalReserveDiscountWindowFundsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OmnibusStockIncentivePlan2018Member" id="mcbs_OmnibusStockIncentivePlan2018Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardVestingOnNumberOfAnniversariesOfGrantDate" id="mcbs_ShareBasedCompensationArrangementByShareBasedPaymentAwardVestingOnNumberOfAnniversariesOfGrantDate" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns" id="mcbs_TransferOfLoanPrincipalToForeclosedRealEstateNetOfWriteDowns" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="mcbs_NumberOfSecuritiesSold" name="NumberOfSecuritiesSold" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfActivityForMortgageLoanServicingRightsAllowanceRollforwardTableTextBlock" id="mcbs_ScheduleOfActivityForMortgageLoanServicingRightsAllowanceRollforwardTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="mcbs_OtherServiceChargesCommissionsAndFeesMember" name="OtherServiceChargesCommissionsAndFeesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="mcbs_WritedownOfForeclosedRealEstate" name="WritedownOfForeclosedRealEstate" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="mcbs_ImpairedLoansFairValueMeasurementGainsLosses" name="ImpairedLoansFairValueMeasurementGainsLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="mcbs_ProceedFromFederalHomeLoanBankAdvances" name="ProceedFromFederalHomeLoanBankAdvances" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="mcbs_PaymentForFederalHomeLoanBankAdvances" name="PaymentForFederalHomeLoanBankAdvances" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="mcbs_FeesAndCommissionsAndCostsMortgageBankingAndServicing" name="FeesAndCommissionsAndCostsMortgageBankingAndServicing" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="mcbs_InterestRateSwapsLiabilitiesFairValueDisclosure" name="InterestRateSwapsLiabilitiesFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="mcbs_InterestRateSwapOneMember" name="InterestRateSwapOneMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="mcbs_InterestRateSwapTwoMember" name="InterestRateSwapTwoMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="mcbs_DerivativeForwardTerm" name="DerivativeForwardTerm" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="mcbs_DerivativeTermOfSwap" name="DerivativeTermOfSwap" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="mcbs_CashDepositsPledgedAsCollateral" name="CashDepositsPledgedAsCollateral" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="InterestRateDerivativesFairValueDisclosure" id="mcbs_InterestRateDerivativesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DerivativeRateCapPremium" id="mcbs_DerivativeRateCapPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterestRateSwapSixMember" id="mcbs_InterestRateSwapSixMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TransferOfLoanPrincipalToLoansHeldForSale" id="mcbs_TransferOfLoanPrincipalToLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CapitalRequiredForCapitalAdequacyIncludingBuffer" id="mcbs_CapitalRequiredForCapitalAdequacyIncludingBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer" id="mcbs_CapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer" id="mcbs_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer" id="mcbs_TierOneRiskBasedCapitalRequiredForCapitalAdequacyIncludingBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer" id="mcbs_CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssetsIncludingBuffer" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer" id="mcbs_CommonEquityTierOneCapitalRequiredForCapitalAdequacyIncludingBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer" id="mcbs_TierOneLeverageCapitalRequiredForCapitalAdequacyIncludingBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer" id="mcbs_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssetsIncludingBuffer" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="IncreaseDecreaseInLoansHeldForSaleForInvestingActivities" id="mcbs_IncreaseDecreaseInLoansHeldForSaleForInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueOfSecuritiesPledged" id="mcbs_FairValueOfSecuritiesPledged" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancialAsset60To89DaysPastDueMember" id="mcbs_FinancialAsset60To89DaysPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AllowanceForCreditLossesOnUnfundedLoanCommitments" id="mcbs_AllowanceForCreditLossesOnUnfundedLoanCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableNonaccrualWithAllowance" id="mcbs_FinancingReceivableNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CollateralDependentLoansFairValueDisclosure" id="mcbs_CollateralDependentLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CollateralDependentLoansMember" id="mcbs_CollateralDependentLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestReceivableAvailableForSaleSecurities" id="mcbs_InterestReceivableAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableModificationNumberOfContracts" id="mcbs_FinancingReceivableModificationNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ImpairedFinancingReceivablesRelatedAllowance" id="mcbs_ImpairedFinancingReceivablesRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoanAndLeasesReceivableDeferredIncome" id="mcbs_LoanAndLeasesReceivableDeferredIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoanAndLeasesReceivableNetOfDeferredIncome" id="mcbs_LoanAndLeasesReceivableNetOfDeferredIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AllowancesForLoanAndLeaseLossesRollForwardAbstract" id="mcbs_AllowancesForLoanAndLeaseLossesRollForwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ImpairedFinancingReceivableUnpaidPrincipalBalancesCollateralDependentLoans" id="mcbs_ImpairedFinancingReceivableUnpaidPrincipalBalancesCollateralDependentLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="GrossWriteOffsMember" id="mcbs_GrossWriteOffsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodWeightedAverageMonthsOfTermExtension" id="mcbs_FinancingReceivableExcludingAccruedInterestModifiedInPeriodWeightedAverageMonthsOfTermExtension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodWeightedAveragePaymentDeferral" id="mcbs_FinancingReceivableExcludingAccruedInterestModifiedInPeriodWeightedAveragePaymentDeferral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProceedsFromSaleOfOtherLoansHeldForSaleInvestingActivities" id="mcbs_ProceedsFromSaleOfOtherLoansHeldForSaleInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingApril222027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingApril222027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingApril232027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingApril232027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingApril262027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingApril262027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingMay72027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingMay72027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingMay132027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingMay132027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingMay142027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingMay142027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingJune242027Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingJune242027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProvisionForLoanLossExpensed" id="mcbs_ProvisionForLoanLossExpensed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProvisionForUnfundedCommitmentsExpensed" id="mcbs_ProvisionForUnfundedCommitmentsExpensed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PaymentsForInterestRateCapPremiums" id="mcbs_PaymentsForInterestRateCapPremiums" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FirstIcCorporationMember" id="mcbs_FirstIcCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalHomeLoanBankConvertibleAdvancesMaturingDecember42026Member" id="mcbs_FederalHomeLoanBankConvertibleAdvancesMaturingDecember42026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountingPoliciesTable" id="mcbs_AccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountingPoliciesLineItems" id="mcbs_AccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfSbaAndUsdaLoanServicingRightsActivityTableTextBlock" id="mcbs_ScheduleOfSbaAndUsdaLoanServicingRightsActivityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentSecurities" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOperatingLeaseRightOfUseAssets" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOperatingLeaseRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedServicingAsset" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedServicingAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankAdvances" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationProFormaInformationProFormaNetInterestIncome" id="mcbs_BusinessCombinationProFormaInformationProFormaNetInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationProFormaInformationProFormaNonInterestIncome" id="mcbs_BusinessCombinationProFormaInformationProFormaNonInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableImpairedTroubledDebtRestructuringWriteDown1" id="mcbs_FinancingReceivableImpairedTroubledDebtRestructuringWriteDown1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationProFormaInformationProFormaIncomeLossAttributableToAcquiree" id="mcbs_BusinessCombinationProFormaInformationProFormaIncomeLossAttributableToAcquiree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableExcludingAccruedInterestAllowanceForCreditLoss" id="mcbs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableExcludingAccruedInterestAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AdjustmentsToAdditionalPaidInCapitalRelatedToAcquisitions" id="mcbs_AdjustmentsToAdditionalPaidInCapitalRelatedToAcquisitions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
</xsd:schema>
