FDIC Cert #3330 · Mc Gregor, Texas · Est. 1889

The First National Bank of McGregor - FDIC Bank Health Profile

A community-scale look at The First National Bank of McGregor's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.0B
Total assets
B
Health grade · Good
1.03%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of McGregor earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.72% Tier 1, profitable at 1.03% ROA, efficient (60% cost ratio).

#1,035
largest of 4,313 FDIC banks by assets
76th
percentile by asset size, nationally
11.72%
Tier 1 ratio - above the 10% well-capitalized line
45th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 3330 · TX B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2435/4307
  • PHOTO-FINISH The First National B… · IL
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 14.3% Texas
  • ROA-PAR 1.03% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: The First National Bank of Arenzville, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of McGregor

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Great Rivers Bank · IL · near76/100The First National B… · IL ·…76/100The First National B… · IL ·…76/100The First National B… · TX ·…76/100The Havana National… · IL · …76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of McGregor · July 2026

Call Report read for The First National Bank of McGregor in a high-failure state

The First National Bank of McGregor (FDIC Cert #3330) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,435 of 4,307. Tier 1 capital prints at 11.72%, clearing the 10% well-capitalized line. The Texas Ratio is 14.28%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.03%. Balance-sheet scale is $1.0B, 1,035th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Arenzville (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of McGregor

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

The First National Bank of McGregor sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about The First National Bank of McGregor's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How The First National Bank of McGregor's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
The First National Bank of McGregor's composite health score
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (14.28%) 16/20
Efficiency Ratio (59.58%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.0B

Total balance-sheet footings

Total Deposits

$916M

Customer-funded liabilities

Net Loans

$775M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.32% 11.72% 13.12%
Basel III capital ratios - The First National Bank of McGregor

Where The First National Bank of McGregor ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of McGregor's score of 76/100 falls in the highlighted band.

The First National Bank of McGregor: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of McGregor 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of McGregor'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). The First National Bank of McGregor's $1.0B falls in the highlighted band.

Capital & credit buffers at The First National Bank of McGregor

Tier 1 capital ratio
Well-capitalized 10%

11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.72%
Texas Ratio
14.28%
Equity Capital
$86M

What these ratios mean →

Earnings posture at The First National Bank of McGregor

Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
11.83%
Efficiency Ratio
59.58%

What these mean →

Income & expense at The First National Bank of McGregor

$70M
Interest Income
$3M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of McGregor reports a Texas Ratio of 14.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

14.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of McGregor on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.0B here), outside Texas so the neighborhood is not state containment.

First Federal Savings and Loan Associ… $1.0B · PA The First National Bank of Bemidji $1.0B · MN Sanibel Captiva Community Bank $1.0B · FL Grand Savings Bank $1.0B · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of McGregor (FDIC Cert #3330) - 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.

The First National Bank of McGregor Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
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%