Mountain Commerce Bancorp Inc
Mountain Commerce Bancorp, Inc. operates as the bank holding company for Mountain Commerce Bank that provides banking services for small- and medium-sized businesses, professionals, and affluent individuals. It offers checking and savings accounts; money market accounts; certificates of deposit; and mortgage loans, personal loans and lines of credit, commercial real estate loans, small business a… Read more
Mountain Commerce Bancorp Inc (MCBI) - Net Assets
Latest net assets as of December 2025: $145.62 Million USD
Based on the latest financial reports, Mountain Commerce Bancorp Inc (MCBI) has net assets worth $145.62 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.77 Billion) and total liabilities ($1.63 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $145.62 Million |
| % of Total Assets | 8.22% |
| Annual Growth Rate | 15.0% |
| 5-Year Change | 20.28% |
| 10-Year Change | 150.24% |
| Growth Volatility | 18.03 |
Mountain Commerce Bancorp Inc - Net Assets Trend (2014–2025)
This chart illustrates how Mountain Commerce Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Mountain Commerce Bancorp Inc (2014–2025)
The table below shows the annual net assets of Mountain Commerce Bancorp Inc from 2014 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $145.62 Million | +10.02% |
| 2024-12-31 | $132.35 Million | +7.79% |
| 2023-12-31 | $122.79 Million | +4.70% |
| 2022-12-31 | $117.27 Million | -3.13% |
| 2021-12-31 | $121.06 Million | +16.58% |
| 2020-12-31 | $103.84 Million | +14.08% |
| 2019-12-31 | $91.02 Million | +19.06% |
| 2018-12-31 | $76.45 Million | +15.57% |
| 2017-12-31 | $66.15 Million | +13.68% |
| 2016-12-31 | $58.19 Million | +70.02% |
| 2015-12-31 | $34.23 Million | +9.40% |
| 2014-12-31 | $31.28 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Mountain Commerce Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 894569700.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $145.62 Million | 100.00% |
| Total Equity | $145.62 Million | 100.00% |
Mountain Commerce Bancorp Inc Competitors by Market Cap
The table below lists competitors of Mountain Commerce Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
LINE Pay Taiwan Limited
TW:7722
|
$110.48 Million |
|
Guangdong Hotata Technology Group Co Ltd Class A
SHG:603848
|
$110.58 Million |
|
Samil Pharm
KO:000520
|
$110.58 Million |
|
PLINTAS
KLSE:5320
|
$110.61 Million |
|
Ceres Power Holdings plc
PINK:CPWHF
|
$110.45 Million |
|
Bahvest Resources Bhd
KLSE:0098
|
$110.44 Million |
|
Zhen Ding Resources Inc
PINK:RBTK
|
$110.41 Million |
|
Rent the Runway Inc
NASDAQ:RENT
|
$110.40 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Mountain Commerce Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 132,353,000 to 145,616,000, a change of 13,263,000 (10.0%).
- Net income of 11,187,000 contributed positively to equity growth.
- Other factors increased equity by 2,076,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $11.19 Million | +7.68% |
| Other Changes | $2.08 Million | +1.43% |
| Total Change | $- | 10.02% |
Book Value vs Market Value Analysis
This analysis compares Mountain Commerce Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.00x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $20.72 | x |
| 2016-12-31 | $0.00 | $20.72 | x |
| 2017-12-31 | $11.04 | $20.72 | x |
| 2018-12-31 | $12.45 | $20.72 | x |
| 2019-12-31 | $14.57 | $20.72 | x |
| 2020-12-31 | $16.52 | $20.72 | x |
| 2021-12-31 | $19.26 | $20.72 | x |
| 2022-12-31 | $18.43 | $20.72 | x |
| 2023-12-31 | $19.33 | $20.72 | x |
| 2024-12-31 | $20.70 | $20.72 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Mountain Commerce Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.68%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.68%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 12.16x
- Recent ROE (7.68%) is below the historical average (10.31%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 7.20% | 16.53% | 0.03x | 13.18x | $-876.01K |
| 2015 | 8.97% | 18.71% | 0.03x | 14.48x | $-351.47K |
| 2016 | 7.28% | 20.59% | 0.03x | 10.64x | $-1.59 Million |
| 2017 | 8.27% | 21.86% | 0.03x | 11.29x | $-1.14 Million |
| 2018 | 13.32% | 36.01% | 0.03x | 11.11x | $2.54 Million |
| 2019 | 13.57% | 39.34% | 0.03x | 9.96x | $3.25 Million |
| 2020 | 9.79% | 26.86% | 0.03x | 10.69x | $-214.16K |
| 2021 | 19.51% | 51.16% | 0.03x | 11.03x | $11.52 Million |
| 2022 | 15.72% | 37.48% | 0.03x | 13.64x | $6.71 Million |
| 2023 | 5.63% | 20.32% | 0.02x | 14.15x | $-5.36 Million |
| 2024 | 6.74% | 26.04% | 0.02x | 13.19x | $-4.31 Million |
| 2025 | 7.68% | 26.68% | 0.02x | 12.16x | $-3.37 Million |
Industry Comparison
This section compares Mountain Commerce Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Mountain Commerce Bancorp Inc (MCBI) | $145.62 Million | 7.20% | 11.16x | $110.47 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |