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Financial Statements — MCBS

Balance Sheet

(in billions USD)
MetricQ2 2026Q1 2026Q3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021
Cash & Equivalents0.270.390.230.290.290.290.330.260.280.260.220.180.220.420.250.310.17
Net Loans & Leases3.933.972.953.103.113.073.073.103.013.00--------------
Total Assets4.524.693.633.623.663.573.623.653.513.483.423.353.173.142.752.522.15
Total Deposits3.493.632.692.692.742.722.752.812.722.702.642.572.402.382.111.971.75
Total Liabilities3.954.133.183.183.233.163.213.253.133.103.073.002.842.832.472.251.90
Retained Earnings0.430.420.390.380.370.350.340.320.310.300.290.280.270.250.220.210.20
Total Stockholder Equity0.570.550.450.440.430.410.410.400.380.370.350.350.320.310.280.260.26

Income Statement

(in millions USD) (except per-share rows)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Interest Expense----------------23.4025.2724.5524.5622.5119.7315.008.512.811.301.241.14
Net Interest Income44.0444.4935.9231.7932.1830.5530.0630.2930.7127.0926.1224.1524.9726.2328.9529.7930.2230.6529.6228.19
Provision for Credit Losses(0.98)(0.87)0.01(0.58)0.220.020.250.65(0.10)(0.13)0.76(0.43)(0.42)--(1.17)(1.70)0.000.100.552.58
Non-interest Income5.766.367.826.185.735.465.326.625.565.574.532.904.766.021.795.104.657.667.499.53
Non-interest Expense19.9621.4420.6714.6714.1113.8014.3313.6613.0312.3613.7311.7911.5310.6812.3812.6913.1212.1812.5113.11
Pretax Income30.6330.2223.1123.8423.6722.0820.8522.6623.3720.4316.1415.6518.6121.5719.5323.9021.7526.0324.0522.03
Tax Provision8.507.914.976.576.845.784.625.966.435.804.794.225.515.849.357.015.656.606.615.15
Net Income22.1322.3118.1417.2716.8316.3016.2416.7016.9414.6311.3511.4313.1115.7310.1816.8916.1019.4317.4516.88
Basic EPS0.770.780.680.680.660.640.640.660.670.580.450.450.520.630.410.660.630.760.680.66
Diluted EPS0.760.770.690.670.650.630.640.650.660.570.440.450.510.620.390.660.630.760.670.66

Cash Flow Statement

(in millions USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Operating Cash Flow24.9245.81(5.14)16.4814.4511.9119.27(11.49)19.3636.36(8.30)17.6747.2025.53(8.91)(2.11)51.3094.4210.544.43
Capital Expenditures----0.230.260.120.070.410.280.350.240.941.361.471.160.931.090.310.030.050.04
Free Cash Flow*----(5.36)16.2214.3311.8418.86(11.77)19.0136.12(9.24)16.3145.7324.37(9.84)(3.20)50.9994.3910.494.39
Investing Cash Flow49.8574.09178.97(72.05)39.92(20.00)(69.36)2.7397.71(25.21)(136.05)(12.69)(8.40)46.88(79.20)(209.64)(256.70)(106.27)(170.11)(296.85)
Financing Cash Flow(195.67)(115.97)(17.31)(3.28)(53.41)43.278.75(27.88)(48.05)102.887.1014.35(0.14)(27.83)87.88168.383.76(4.75)347.62231.77

* Derived from reported values

Dividends Per Share

(USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021
Dividends Per Share0.290.250.250.250.230.230.230.200.200.200.180.180.180.150.150.150.090.100.11