MetroCity Bankshares, Inc. is a bank holding company that operates Metro City Bank, a commercial bank serving diverse, multi-ethnic markets with particular emphasis on Asian-American communities across the Eastern United States and Texas. The bank provides full-service retail and commercial banking services including checking and savings accounts, certificates of deposit, consumer and commercial loans (particularly residential mortgages), and money transfer services. The company generates revenue primarily through net interest income earned on its loan portfolio, which is heavily weighted toward real estate-secured lending, supplemented by deposit service charges, loan origination fees, and mortgage servicing income.