The First National Bank of McGregor
Mc Gregor, TX
IDRSSD: 895055
Total Assets
$994.43M
Latest filing
Total Deposits
$903.87M
Latest filing
Net Interest Margin
4.40%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of McGregor
401 S Main St
Mc Gregor, TX 76657
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1889FDIC Certificate 2154
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of McGregor (Main) | 401 S Main St | Mc Gregor, TX |
| SOUTH BOSQUE BRANCH | 27000 Hwy 84 | Mc Gregor, TX |
| TFNB TRIANGLE TOWER LOCATION BRANCH | 510 N Valley Mills Dr | Waco, TX |
| DOWNTOWN WACO BRANCH | 901 S 8th St | Waco, TX |
| WACO BRANCH | 700 Elm Ave | Waco, TX |
| WOODWAY/HEWITT LOCATION BRANCH | 9205 Oak Creek Dr | Woodway, TX |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76657 |
| State and County Number | 48309 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.tfnbtx.com |
| Data Updated | 11/14/2025 |
| CERT | 3330 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $994.43M |
| Total Deposits | $903.87M |
| Total Liabilities | $911.55M |
| Total Equity Capital | $82.88M |
| Net Income | $3.00M |
| Net Loans and Leases | $748.07M |
| Assets Per Employee ($Millions) | $10.47M |
| Bank Premises and Fixed Assets | $29.47M |
| Cash and Balances due from Depository Institutions | $114.85M |
| Deposits Held in Domestic Offices | $903.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 13.92% |
| Net Interest Margin | 4.4% |
| Efficiency Ratio | 59.36% |
| Tier 1 Risk-Based Capital Ratio | 11.993% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.335% |
| Earning Assets to total Assets | 93.16% |
Income and Expense
| Total Interest Income | $17.75M |
| Total Noninterest Income | $796.00k |
| Total Interest Expense | $7.62M |
| Total Noninterest Expense | $6.49M |
| Net Interest Income | $10.13M |
| Pre-tax Net Operating Income | $3.79M |
| Provision for Credit Losses | $650.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $6.22M |
| Other borrowed funds | $2.02M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.67M |
| Total Liabilities and Capital | $994.43M |
Securities
| Securities | $71.13M |
| Available-for-sale debt securities | $71.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of McGregor?
$994.43M as of the latest filing.
How much are The First National Bank of McGregor's total deposits?
$903.87M in total deposits.
Where is The First National Bank of McGregor located?
Mc Gregor, TX.
What is the Net Interest Margin?
4.40%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$748.07M (latest filing).
What is the total interest income (latest filing)?
$17.75M.