Total Assets
$456M
Total balance-sheet footings
FDIC Cert #15669 · Goldthwaite, Texas · Est. 1908
MCBank - FDIC Bank Health Profile
A community-scale look at MCBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $456M
- Total assets
- A
- Health grade · Excellent
- 1.33%
- Return on assets
- 17.9%
- Tier 1 capital
Data updated July 2026
The verdict
MCBank earns a PlainBankData health grade of A (84/100), with well-capitalized at 17.86% Tier 1, profitable at 1.33% ROA, 63% efficiency ratio.
- #1,913
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 17.86%
- Tier 1 ratio - above the 10% well-capitalized line
- 65th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How MCBank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
MCBank's composite health score
Tier 1 Capital Ratio (17.86%) 40/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (10.56%) 16/20
Efficiency Ratio (63.30%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$417M
Customer-funded liabilities
Net Loans
$201M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where MCBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MCBank's score of 84/100 falls in the highlighted band.
MCBank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MCBank's $456M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.86%
Texas Ratio
10.56%
Equity Capital
$33M
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.33%
Return on Equity (ROE)
18.26%
Efficiency Ratio
63.30%
What the numbers say about MCBank
MCBank is an FDIC-insured institution (Certificate #15669) headquartered in Goldthwaite, Texas, established in 1908. It holds $456M in total assets - 1,913th of 4,313 FDIC-insured banks, $417M in customer deposits, and $201M in net loans. Looking at capital strength, Tier 1 stands at 17.86%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.56%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, MCBank ranks 170th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. MCBank reports a Texas Ratio of 10.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MCBank (FDIC Cert #15669) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is MCBank's health grade?▼
MCBank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is MCBank?▼
MCBank holds $456M in total assets and $417M in deposits, ranking 1,913th of 4,313 FDIC-insured banks by asset size. It is headquartered in Goldthwaite, Texas.
Is my money safe at MCBank?▼
Yes, deposits at MCBank (Certificate #15669) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MCBank's Tier 1 Capital Ratio?▼
MCBank has a Tier 1 Capital Ratio of 17.86%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for MCBank?▼
MCBank has a Texas Ratio of 10.56%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is MCBank?▼
MCBank has an Efficiency Ratio of 63.30%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MCBank's profile as a depositor or analyst.
- MCBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MCBank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.