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Mcbank
Goldthwaite, TX · FDIC Certificate #15669 · Chartered 11/2
Total assets
$467.17M
Total deposits
$429.61M
Total equity
$35.53M
Net loans
$201.18M
Branches (offices)
4
Net income (YTD)
$3.13M
Rank: #1,863 of 4,213 U.S. banks by assets · #165 of 346 in Texas. Assets changed 7.6% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 18.27% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 7.61% |
| Tier 1 leverage ratio | 10.01% |
| Uninsured deposits (share of deposits) | 16.1% |
| Noncurrent loans (share of loans) | 2.57% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 46.8% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.64M | 90.3% | |
| Commercial & industrial | $8.76M | 4.4% | |
| Consumer / individual | $7.56M | 3.8% | |
| Construction & development | $27.51M | 13.7% | |
| Agricultural | $4.20M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $425.34M | $395.64M | $3.31M | $27.09M |
| Jun 2023 | $436.38M | $395.60M | $3.62M | $26.21M |
| Jun 2024 | $420.17M | $362.02M | $2.65M | $29.94M |
| Jun 2025 | $434.07M | $400.93M | $2.86M | $28.29M |
| Jun 2026 | $467.17M | $429.61M | $3.13M | $35.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $429.61M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $429.61M.
Similar-sized banks
First National Bank In Olney ($469.29M) · The First National Bank Of Livingston ($467.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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