#Cash Dividend #Mountain Commerce Bank #Mountain Commerce Bancorp

Mountain Commerce Bancorp Reports Strong Third Quarter Results

Introduction

On October 20, 2025, Mountain Commerce Bancorp, Inc. (OTCQX: MCBI), the parent company of the historic Mountain Commerce Bank, reported its robust financial results for the third quarter of 2025. This announcement highlights significant growth in earnings and the company’s commitment to shareholder value through dividends.

Financial Highlights

Mountain Commerce Bancorp demonstrated impressive growth in various key financial metrics. The company's net income reached $3.9 million for the third quarter, translating into $0.62 per diluted share. This represents a significant increase from the previous year, where the same quarter netted just under $3 million.

The adjusted return on average assets (ROAA) improved to 0.86%, compared to 0.68% for the previous quarter. Similarly, the return on average equity (ROAE) saw a favorable rise to 10.92% from 8.84%, indicating efficient asset and equity management.

Moreover, Mountain Commerce exhibited a notable increase in its net interest margin, which improved from 2.40% in the second quarter of 2025 to 2.50%.

Cash Dividend Declaration

In a continuation of its commitment to returning value to shareholders, the Board of Directors declared a quarterly cash dividend of $0.07 per common share. This marks the twentieth consecutive quarterly dividend payment, reflecting the company’s steady financial trajectory. This dividend is scheduled to be paid on December 1, 2025, to shareholders recorded by the close of business on November 3, 2025.

Management Insights

William E.