MCBANK
MCBANK is an FDIC-insured commercial bank headquartered in GOLDTHWAITE, TX, established in 1908. As of , 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 3.47%. CET1 capital ratio: 17.86%, well above regulatory minimums. NPL ratio: 1.01% · Texas Ratio: 5.66%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Mcbank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.86% | 1.35% | 1.01% | 5.66% | 3.47% |
| 2025-09-30 | 17.52% | 1.25% | 0.98% | 5.65% | 3.40% |
| 2025-06-30 | 17.06% | 1.77% | 0.97% | 6.19% | 3.45% |
| 2025-03-31 | 19.71% | 0.92% | 0.16% | 1.09% | 3.45% |
| 2024-12-31 | 19.69% | 1.26% | 1.16% | 6.26% | 3.28% |
| 2024-09-30 | 19.57% | 1.00% | 0.22% | 1.02% | 3.25% |
| 2024-06-30 | 19.51% | 1.15% | 1.15% | 6.41% | 3.17% |
| 2024-03-31 | 20.07% | 1.33% | 0.23% | 1.35% | 3.38% |
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Frequently asked about MCBANK
What are Mcbank's total assets?
As of the Q4 2025 filing, Mcbank reported total assets of $456.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mcbank headquartered?
Mcbank is headquartered in GOLDTHWAITE, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Mcbank founded?
Mcbank was established in 1908, per the FDIC institution directory.
Is Mcbank FDIC-insured?
Yes. Mcbank is an FDIC-insured commercial bank (FDIC Certificate #15669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mcbank?
Mcbank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Mcbank's CET1 capital ratio?
Mcbank reported a Common Equity Tier 1 (CET1) capital ratio of 17.86% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Mcbank operate?
Mcbank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Mcbank's Texas Ratio?
Mcbank's Texas Ratio is 5.66% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.