Bank Safety Analysis
Is McBank Safe? Goldthwaite, Texas
Based on its Q2 2026 call report, McBank meets every capital ratio test for well capitalized, its Texas ratio is 14.42%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, McBank's CET1 ratio is 18.50%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 18.50%
- Tier 1 leverage ratio (Q2 2026): 10.01%
- Texas ratio (Q2 2026): 14.42%
- Noncurrent loans ratio (Q2 2026): 2.57%
McBank is an FDIC-insured commercial bank (FDIC Certificate #15669). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
McBank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.99 percentage points higher than in Q1 2026, at 2.57%. McBank ranks 73rd of 184 Texas banks on CET1 ratio, in the upper half at 18.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. McBank sits 3.42 points higher, at 18.50% (Q2 2026). From Q3 2023 to Q2 2026, McBank's CET1 ratio ranged between 17.06% (Q2 2025) and 20.07% (Q1 2024) and its Texas ratio ranged between 0.87% (Q3 2025) and 14.42% (Q2 2026). Between Q2 2025 and Q2 2026, McBank's CET1 ratio rose from 17.06% to 18.50%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.14% to 2.57%, Texas ratio rose from 0.92% to 14.42% and return on assets fell from 1.70% to 1.38%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 18.50% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.01% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.57% are elevated; merits closer attention.
Texas Ratio of 14.4% is well below the 100% historical failure threshold.
Efficiency ratio of 61.7% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 18.50% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 14.42% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.57% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 47.52% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 190.93% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 18.50% |
| Q1 2026 | 18.62% |
| Q4 2025 | 17.86% |
| Q3 2025 | 17.52% |
| Q2 2025 | 17.06% |
| Q1 2025 | 19.71% |
| Q4 2024 | 19.69% |
| Q3 2024 | 19.57% |
| Q2 2024 | 19.51% |
| Q1 2024 | 20.07% |
| Q4 2023 | 19.00% |
| Q3 2023 | 19.42% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 14.42% |
| Q1 2026 | 9.14% |
| Q4 2025 | 11.22% |
| Q3 2025 | 0.87% |
| Q2 2025 | 0.92% |
| Q1 2025 | 1.16% |
| Q4 2024 | 1.44% |
| Q3 2024 | 1.08% |
| Q2 2024 | 1.41% |
| Q1 2024 | 2.07% |
| Q4 2023 | 1.71% |
| Q3 2023 | 11.58% |
McBank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 18.50% | 2.57% | 14.42% | 1.38% |
| Mar 31, 2026 | 18.62% | 1.58% | 9.14% | 1.24% |
| Dec 31, 2025 | 17.86% | 1.88% | 11.22% | 1.30% |
| Sep 30, 2025 | 17.52% | 0.14% | 0.87% | 1.21% |
| Jun 30, 2025 | 17.06% | 0.14% | 0.92% | 1.70% |
| Mar 31, 2025 | 19.71% | 0.16% | 1.16% | 0.88% |
| Dec 31, 2024 | 19.69% | 0.25% | 1.44% | 1.19% |
| Sep 30, 2024 | 19.57% | 0.22% | 1.08% | 0.95% |
| Jun 30, 2024 | 19.51% | 0.24% | 1.41% | 1.10% |
| Mar 31, 2024 | 20.07% | 0.33% | 2.07% | 1.28% |
| Dec 31, 2023 | 19.00% | 0.27% | 1.71% | 1.07% |
| Sep 30, 2023 | 19.42% | 1.20% | 11.58% | 0.57% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is McBank FDIC insured?
Yes. McBank is an FDIC-insured commercial bank (FDIC Certificate #15669). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is McBank well capitalized?
On its Q2 2026 call report, McBank's CET1 ratio is 18.50%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are McBank's key safety ratios?
For Q2 2026, McBank reports CET1 18.50%, leverage 10.01%, Texas ratio 14.42%, noncurrent loans 2.57%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if McBank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 15669) · FFIEC NIC profile (RSSD 522753)
Explore: Full McBank profile · Other banks in TX · Metric glossary · How the call report works