McBank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 39.77 percentage points lower than in Q1 2026, at 56.58%. McBank ranks 194th of 345 Texas banks on return on assets, in the lower half at 1.38% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. McBank sits 0.12 points higher, at 1.38% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.50% |
| Tier 1 risk-based capital ratio | 18.50% |
| Total risk-based capital ratio | 19.68% |
| Tier 1 leverage ratio | 10.01% |
| Equity capital to assets | 7.61% |
| Tangible equity to tangible assets | 7.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.57% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 14.42% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 56.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 18.98% |
| Net interest margin | 3.37% |
| Efficiency ratio | 61.65% |
| Yield on earning assets | 4.78% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.52% |
| Core deposits to total deposits | 92.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.96% |
| Securities to assets | 33.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.42% | 19.42% | 20.67% | 10.54% | 0.57% |
| Q4 2023 | 19.00% | 19.00% | 20.25% | 10.62% | 1.07% |
| Q1 2024 | 20.07% | 20.07% | 21.32% | 11.03% | 1.28% |
| Q2 2024 | 19.51% | 19.51% | 20.76% | 11.24% | 1.10% |
| Q3 2024 | 19.57% | 19.57% | 20.82% | 11.37% | 0.95% |
| Q4 2024 | 19.69% | 19.69% | 20.94% | 11.48% | 1.19% |
| Q1 2025 | 19.71% | 19.71% | 20.96% | 11.66% | 0.88% |
| Q2 2025 | 17.06% | 17.06% | 18.30% | 9.87% | 1.70% |
| Q3 2025 | 17.52% | 17.52% | 18.73% | 9.84% | 1.21% |
| Q4 2025 | 17.86% | 17.86% | 19.08% | 9.57% | 1.30% |
| Q1 2026 | 18.62% | 18.62% | 19.87% | 9.75% | 1.24% |
| Q2 2026 | 18.50% | 18.50% | 19.68% | 10.01% | 1.38% |
McBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock McBank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full McBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15669) · FFIEC NIC profile (RSSD 522753)