MCBank
Goldthwaite, TX
IDRSSD: 522753
Total Assets
$456.08M
Latest filing
Total Deposits
$416.54M
Latest filing
Net Interest Margin
3.64%
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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 15669 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $456.08M |
| Total Deposits | $416.54M |
| Total Liabilities | $422.75M |
| Total Equity Capital | $33.33M |
| Net Income | $1.54M |
| Net Loans and Leases | $201.44M |
| Assets Per Employee ($Millions) | $5.56M |
| Bank Premises and Fixed Assets | $3.49M |
| Cash and Balances due from Depository Institutions | $74.17M |
| Deposits Held in Domestic Offices | $416.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 18.94% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 59.08% |
| Tier 1 Risk-Based Capital Ratio | 17.858% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.308% |
| Earning Assets to total Assets | 94.18% |
Income and Expense
| Total Interest Income | $5.63M |
| Total Noninterest Income | $655.00k |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $2.69M |
| Net Interest Income | $3.90M |
| Pre-tax Net Operating Income | $1.67M |
| Provision for Credit Losses | $195.00k |
| 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 | $3.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.11M |
| Total Liabilities and Capital | $456.08M |
Securities
| Securities | $159.72M |
| Available-for-sale debt securities | $159.72M |
| 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?
$456.08M as of the latest filing.
How much are MCBank's total deposits?
$416.54M in total deposits.
Where is MCBank located?
Goldthwaite, TX.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
4.
When was it established?
11/24/1908.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$201.44M (latest filing).
What is the total interest income (latest filing)?
$5.63M.