MetroCity Bankshares is a community bank holding company operating through Metro City Bank, a Georgia state-chartered commercial bank with 29 full-service branches across Georgia, Alabama, Florida, New York, New Jersey, Texas, Virginia, and California. Metro City Bank's defining focus is serving small-to-medium-sized businesses and individuals in immigrant and multi-ethnic communities — markets it argues are underserved by mainstream banks. The bank employs multilingual staff deeply embedded in these communities, and targets business owners in hospitality, retail, gas stations, car washes, and similar sectors. Metro City Bank's loan book (~$4.1B in gross loans) is concentrated in residential real estate (~58%) and commercial real estate (~38%), with CRE heavily weighted toward hotels, gas stations, and car washes. The residential book consists primarily of non-conforming mortgages — loans that don't meet Fannie Mae or Freddie Mac standards, often due to unconventional borrower documentation — originated using adjustable-rate structures with a conservative 70% LTV limit. Metro City Bank sells a portion of both residential and SBA loan originations to third-party investors while retaining servicing rights, generating recurring fee income. The bank funds itself primarily through core branch deposits (~75% of deposits), supplemented by brokered deposits. Metro City Bank has grown through de novo branch openings in targeted communities and, more recently, through acquisitions — including the December 2025 acquisition of First IC, which meaningfully expanded the CRE and SBA loan book.