MCBank
Goldthwaite, TX
IDRSSD: 522753
Total Assets
$465.59M
Latest filing
Total Deposits
$426.87M
Latest filing
Net Interest Margin
3.48%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
MCBank
1017 Parker St
Goldthwaite, TX 76844
Full Service - Brick and Mortar
Updated 04/10/2026Established 11/24/1908FDIC Certificate 9943
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| MCBank (Main) | 1017 Parker St | Goldthwaite, TX |
| MILLS COUNTY STATE BANK HICO BRANCH | 135 N Pecan St | Hico, TX |
| EARLY BRANCH | 411 Early Blvd | Early, TX |
| MILLS COUNTY STATE BANK BRANCH | 1005 E Main St | Hamilton, TX |
Showing 3 of 3
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/24/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76844 |
| State and County Number | 48333 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 4 |
| 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 | 06/20/1939 |
| Primary Insurance Agency | DIF |
| Website | www.mc.bank |
| Data Updated | 04/10/2026 |
| CERT | 15669 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $465.59M |
| Total Deposits | $426.87M |
| Total Liabilities | $431.70M |
| Total Equity Capital | $33.89M |
| Net Income | $1.48M |
| Net Loans and Leases | $198.88M |
| Assets Per Employee ($Millions) | $5.68M |
| Bank Premises and Fixed Assets | $3.46M |
| Cash and Balances due from Depository Institutions | $81.91M |
| Deposits Held in Domestic Offices | $426.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 17.64% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 66.49% |
| Tier 1 Risk-Based Capital Ratio | 18.619% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.28% |
| Earning Assets to total Assets | 94.39% |
Income and Expense
| Total Interest Income | $5.41M |
| Total Noninterest Income | $641.00k |
| Total Interest Expense | $1.63M |
| Total Noninterest Expense | $2.94M |
| Net Interest Income | $3.78M |
| Pre-tax Net Operating Income | $1.48M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.09M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.74M |
| Total Liabilities and Capital | $465.59M |
Securities
| Securities | $163.95M |
| Available-for-sale debt securities | $163.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of MCBank?
$465.59M as of the latest filing.
How much are MCBank's total deposits?
$426.87M in total deposits.
Where is MCBank located?
Goldthwaite, TX.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
4.
When was it established?
11/24/1908.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$198.88M (latest filing).
What is the total interest income (latest filing)?
$5.41M.