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MCBank

Goldthwaite, TX
IDRSSD: 522753
Total Assets
$454.26M
Latest filing
Total Deposits
$417.00M
Latest filing
Net Interest Margin
3.53%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date11/24/1908
Community BankYes
Ownership TypeNot Mutual
ZIP76844
State and County Number48333
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees84
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance06/20/1939
Primary Insurance AgencyDIF
Websitewww.mc.bank
Data Updated11/14/2025
CERT15669
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$454.26M
Total Deposits$417.00M
Total Liabilities$422.62M
Total Equity Capital$31.64M
Net Income$1.39M
Net Loans and Leases$195.86M
Assets Per Employee ($Millions)$5.54M
Bank Premises and Fixed Assets$3.55M
Cash and Balances due from Depository Institutions$70.14M
Deposits Held in Domestic Offices$417.00M

Key Performance Ratios

Return on Assets (ROA)1.25%
Return on Equity (ROE)18.56%
Net Interest Margin3.53%
Efficiency Ratio67.21%
Tier 1 Risk-Based Capital Ratio17.523%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets6.966%
Earning Assets to total Assets94.46%

Income and Expense

Total Interest Income$5.38M
Total Noninterest Income$747.00k
Total Interest Expense$1.68M
Total Noninterest Expense$2.98M
Net Interest Income$3.69M
Pre-tax Net Operating Income$1.39M
Provision for Credit Losses$65.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$3.10M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.52M
Total Liabilities and Capital$454.26M

Securities

Securities$168.20M
Available-for-sale debt securities$168.20M
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 MCBank?
$454.26M as of the latest filing.
How much are MCBank's total deposits?
$417.00M in total deposits.
Where is MCBank located?
Goldthwaite, TX.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
4.
When was it established?
11/24/1908.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$195.86M (latest filing).
What is the total interest income (latest filing)?
$5.38M.