MCBANK

GOLDTHWAITE, TX | Small | Est. Nov. 24, 1908, midnight | FDIC #15669 | RSSD #522753 | FDIC
Latest Report: 2025-12-31

MCBANK is asn small FDIC-insured commercial bank headquartered in GOLDTHWAITE, TX, established in Nov. 24, 1908, midnight. As of 2025-12-31, the bank reported total assets of $456M and total deposits of $417M. Profitability stands at 1.35% ROA and 18.94% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 17.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.06%. FDIC Certificate #15669.

Assets

$456M

Deposits

$417M

Loans

$204M

Equity

$33M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 18.94%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.38%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.29%
Texas Ratio 1.06%
NPA Ratio 0.08%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 17.86%
Tier 1 Capital 17.86%
Total Capital Ratio 19.08%
Leverage Ratio 9.57%
Loan-to-Deposit 49.08%

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