BanksMCBANK

MCBANK

GOLDTHWAITE, TXSmallEst. Nov. 24, 1908, midnightFDIC #15669RSSD #522753FDIC
Latest · 2025-12-31

MCBANK is an 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%. CET1 capital ratio: 17.86%, well above regulatory minimums. NPL ratio: 0.19% · Texas Ratio: 1.06%. Operates 4 domestic branches.

Assets
$456M
Deposits
$417M
Loans
$204M
Equity
$33M

Profitability

Return on Assets (ROA)1.35%
Return on Equity (ROE)18.94%
Net Interest Margin3.73%
Yield on Assets5.38%
Cost of Funds1.64%

Asset Quality

NPL Ratio0.19%
Net Charge-Off Ratio0.29%
Texas Ratio1.06%
NPA Ratio0.08%
ACL / Loans1.48%

Capital & Liquidity

CET1 Ratio17.86%
Tier 1 Capital17.86%
Total Capital Ratio19.08%
Leverage Ratio9.57%
Loan-to-Deposit49.08%

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