McBank
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Data as of · sourced from FFIEC call reports. How we update
McBank is an FDIC-insured commercial bank headquartered in Goldthwaite, TX, established in 1908 (FDIC certificate 15669), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $467.2M, up 7.6% from Q2 2025, the 165th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 18.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15669
- Headquarters
- Goldthwaite, TX
- Established
- 1908
- Total assets, Q2 2026
- $467.2M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 18.50%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111906747
- Holding company
- GOLDTHWAITE BANCSHARES, INC.
- Asset rank in state
- 165th of 346 in Texas
Problem loans are rising at McBank. Its balance sheet stood at $467 million at June 30, 2026, up 7.6% from a year earlier; it is based in Goldthwaite, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.57% of loans from 0.14% a year earlier. It carries problem assets equal to 14.4% of the capital and reserves that would absorb them, 5.5 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 19.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Delinquency has appeared in its $38 million multifamily book: 4.40% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 30% of Tier 1 capital, down from 40% a year earlier. Its margin is thin by comparison: it keeps 3.37 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, McBank reported a CET1 capital ratio of 18.50%, a return on assets of 1.38%, a nonperforming-loan ratio of 2.57% and a Texas ratio of 14.42%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, McBank is the 165th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $467.2M, loans rose 1.1% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.4% of total loans, followed by multifamily loans at 18.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Goldthwaite office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, McBank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1017 Parker St, Goldthwaite, TX 76844
- County
- Mills
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 24, 1908
- Former names
- Mills County State Bank (1952-2019)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $429.6M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $88K
- Average total assets
- $477.4M
- Average total loans
- $201.2M
- Average interest-bearing deposits
- $297.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1939
- FDIC Cert
- 15669
- Fed RSSD
- 522753
- SEC CIK
- 1815556 → filed by GOLDTHWAITE BANCSHARES, INC.
- Website
- www.mc.bank →
- Parent Holding Company
- GOLDTHWAITE BANCSHARES, INC. (RSSD 1103999)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, McBank's total assets ran between $414.8M (Q4 2024) and $467.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$467.2M total assets against $434.1M; $431.6M total liabilities against $405.8M.
$201.2M net loans and leases against $196.8M; $429.6M total deposits against $400.9M.
$158.4M securities against $166.0M; $86.7M cash and balances due against $51.4M.
$5.4M total interest income against $5.1M; $1.6M total interest expense against $1.5M.
$3.8M net interest income against $3.7M.
$720K total noninterest income against $1.0M; $2.8M total noninterest expense against $2.7M.
$32K provision for credit losses against $65K.
$1.6M net income against $1.9M.
1.38% return on assets against 1.70%; 3.37% net interest margin against 3.52%.
18.50% CET1 capital ratio against 17.06%; 10.01% tier 1 leverage ratio against 9.87%.
Inside the full McBank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMcBank rankings
Its closest position to the top of a national ranking is 336 of 3,640, for Texas Ratio; its furthest is 2,007 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.88% (Q1 2025) to 1.70% (Q2 2025) and its net interest margin ran from 3.30% (Q3 2024) to 3.52% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.50% | 1.38% | 2.57% | 14.42% | 3.37% |
| Q1 2026 | 18.62% | 1.24% | 1.58% | 9.14% | 3.37% |
| Q4 2025 | 17.86% | 1.30% | 1.88% | 11.22% | 3.52% |
| Q3 2025 | 17.52% | 1.21% | 0.14% | 0.87% | 3.44% |
| Q2 2025 | 17.06% | 1.70% | 0.14% | 0.92% | 3.52% |
| Q1 2025 | 19.71% | 0.88% | 0.16% | 1.16% | 3.49% |
| Q4 2024 | 19.69% | 1.19% | 0.25% | 1.44% | 3.34% |
| Q3 2024 | 19.57% | 0.95% | 0.22% | 1.08% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| McBank (main office) | Goldthwaite , TX | 76844 | $206.3M |
| Early Branch | Early , TX | 76802 | $94.3M |
| Mills County State Bank Hico Branch | Hico , TX | 76457 | $68.9M |
| Mills County State Bank Branch | Hamilton , TX | 76531 | $60.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 14, 2013 | Structure Change | Acquired The First National Bank of Hico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 202 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about McBank
What are McBank's total assets?
As of the Q2 2026 filing, McBank reported total assets of $467.2 million in its FFIEC call report.
Where is McBank headquartered?
It is headquartered in Goldthwaite, TX, United States.
When was McBank founded?
It was established in 1908, per the FDIC institution directory.
Is McBank FDIC-insured?
Yes. It 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.
What is McBank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does McBank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is McBank's Texas Ratio?
Its Texas Ratio is 14.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was McBank previously called?
The charter now named McBank has also operated as Mills County State Bank (1952-2019), per FDIC structure-change records.
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