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METROCITY BANKSHARES, INC._January 30, 2026 false000174706800017470682026-01-302026-01-30 ​ ​

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2026

METROCITY BANKSHARES, INC.

(Exact name of registrant as specified in its charter)

​ ​

​

​

Georgia No. 001-39068 47-2528408

(State or other jurisdiction of incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

​ ​ ​

​

​

5114 Buford Highway Doraville, Georgia ​ 30340

(Address of principal executive offices) ​ (Zip Code)

​ (770) 455-4989 (Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ​ ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

​

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

​

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

​

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240-13e-4(c))

​ Securities registered pursuant to Section 12(b) of the Act: ​ ​

​

​

Title of each class Trading Symbol(s) Name of each Exchange on which registered

Common Stock, par value $0.01 per share

MCBS

The Nasdaq Stock Market LLC

​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company  ◻ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ◻ ​ ​ ​

Item 2.02    Results of Operations and Financial Condition On January 30, 2026, MetroCity Bankshares, Inc. (the “Company”) issued a press release announcing its results of operations and financial condition for the fourth quarter ended December 31, 2025. A copy of the press release covering such announcement is attached hereto as Exhibit 99.1 and incorporated by reference herein. In accordance with General Instruction B.2 of Form 8-K, the information furnished in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document. Item 9.01    Financial Statements and Exhibits (d)         Exhibits ​ Exhibit No. Description

​ ​

99.1 MetroCity Bankshares, Inc. Earnings Press Release dated January 30, 2026

​ ​

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

​ ​

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. ​

​

​

​

​

​

METROCITY BANKSHARES, INC.

​

​ ​

Date: January 30, 2026 By: /s/ Lucas Stewart

​ ​ Lucas Stewart

​ ​ Chief Financial Officer

​ ​ ​

​ ​

METROCITY BANKSHARES, INC._October 17, 2025 false000174706800017470682025-10-172025-10-17 ​ ​

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 17, 2025

METROCITY BANKSHARES, INC.

(Exact name of registrant as specified in its charter)

​ ​

​

​

Georgia No. 001-39068 47-2528408

(State or other jurisdiction of incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

​ ​ ​

​

​

5114 Buford Highway Doraville, Georgia ​ 30340

(Address of principal executive offices) ​ (Zip Code)

​ (770) 455-4989 (Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ​ ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

​

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

​

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

​

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240-13e-4(c))

​ Securities registered pursuant to Section 12(b) of the Act: ​ ​

​

​

Title of each class Trading Symbol(s) Name of each Exchange on which registered

Common Stock, par value $0.01 per share

MCBS

The Nasdaq Stock Market LLC

​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company  ◻ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ◻ ​ ​ ​

Item 2.02    Results of Operations and Financial Condition On October 17, 2025, MetroCity Bankshares, Inc. (the “Company”) issued a press release announcing its results of operations and financial condition for the third quarter ended September 30, 2025. A copy of the press release covering such announcement is attached hereto as Exhibit 99.1 and incorporated by reference herein. In accordance with General Instruction B.2 of Form 8-K, the information furnished in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing or document. Item 9.01    Financial Statements and Exhibits (d)         Exhibits ​ Exhibit No. Description

​ ​

99.1 MetroCity Bankshares, Inc. Earnings Press Release dated October 17, 2025

​ ​

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

​ ​

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. ​

​

​

​

​

​

METROCITY BANKSHARES, INC.

​

​ ​

Date: October 17, 2025 By: /s/ Lucas Stewart

​ ​ Lucas Stewart

​ ​ Chief Financial Officer

​ ​ ​

​ ​