Headquartered in Goldthwaite, Texas, MCBank is a state-chartered bank with $467.2M in total assets and $429.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1908.
MCBank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 316th. Funding & liquidity contributes the most (99/100, 47% loans-to-deposits, 16% uninsured); loan quality contributes the least (14/100, 2.57%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (78 → 55), mostly because the loan quality component weakened by 81 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 61 |
| Q1 2026 | 64 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.24% |
| Q3 2024 | 11.37% |
| Q4 2024 | 11.48% |
| Q1 2025 | 11.66% |
| Q2 2025 | 9.87% |
| Q3 2025 | 9.84% |
| Q4 2025 | 9.57% |
| Q1 2026 | 9.75% |
| Q2 2026 | 10.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.14% |
| Q4 2025 | 1.88% |
| Q1 2026 | 1.58% |
| Q2 2026 | 2.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.19% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $467.2M | 10.01% | 2.57% | 1.35% | 46.8% |
| Q1 2026 | 64 | $465.6M | 9.75% | 1.58% | 1.29% | 46.6% |
| Q4 2025 | 61 | $456.1M | 9.57% | 1.88% | 1.33% | 48.4% |
| Q3 2025 | 77 | $454.3M | 9.84% | 0.14% | 1.31% | 47.0% |
| Q2 2025 | 78 | $434.1M | 9.87% | 0.14% | 1.35% | 49.1% |
| Q1 2025 | 80 | $422.2M | 11.66% | 0.16% | 0.92% | 51.7% |
| Q4 2024 | 80 | $414.8M | 11.48% | 0.25% | 1.19% | 48.9% |
| Q3 2024 | 81 | $416.5M | 11.37% | 0.22% | 1.16% | 50.3% |
| Q2 2024 | 80 | $420.2M | 11.24% | 0.24% | 1.24% | 50.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of LivingstonBank Livingston, TX | 98 out of 100, Very strong | $467.2M | 15.5% | 0.05% | vs |
| Shelby Savings Bank, SSBBank Center, TX | 69 out of 100, Moderate | $457.4M | 11.1% | 1.05% | vs |
| Trinity Capital Bank of TexasBank Ennis, TX | 69 out of 100, Moderate | $456.6M | 9.6% | 0.33% | vs |
| First State BankBank Clute, TX | 62 out of 100, Moderate | $478.1M | 9.5% | 1.38% | vs |
| The City National Bank of Colorado CityBank Colorado City, TX | 74 out of 100, Strong | $452.4M | 11.0% | 0.26% | vs |
| The Liberty National Bank in ParisBank Paris, TX | 75 out of 100, Strong | $452.1M | 12.8% | 0.88% | vs |
Deposit insurance
Is my money safe at MCBank?
Yes. MCBank is an FDIC-insured institution (FDIC certificate #15669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.1% of deposits ($69.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.68% (benchmark: 10%).
4 locations
Branches
MCBank lists 4 offices in 4 cities. Most locations:
- Early, TX (1)
- Goldthwaite, TX (1)
- Hamilton, TX (1)
- Hico, TX (1)
Identity & history
Profile
- Legal name
- MCBank
- Former names
- Mills County State Bank; The Trent State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15669
- RSSD ID
- 522753
- Primary regulator
- FDIC
- Holding company
- Goldthwaite Bancshares Inc
- Established
- November 24, 1908
- Headquarters
- 1017 Parker St, Goldthwaite, TX 76844
- Website
- www.mc.bank
- Employees
- 84
Quick answers
MCBank: common questions
Is MCBank FDIC insured?
Yes. MCBank is an FDIC-insured institution (FDIC certificate #15669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is MCBank's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has MCBank ever failed?
There is no failure record for FDIC certificate #15669 in the FDIC failed bank list.
How many branches does MCBank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Goldthwaite
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arrowhead BankBank Llano, TX | 87 out of 100, Very strong | $295.3M | 11.9% | 0.00% | vs |
| Farmers and Merchants BankBank De Leon, TX | 85 out of 100, Very strong | $269.8M | 12.0% | 0.00% | vs |
| The City National Bank of San SabaBank San Saba, TX | 81 out of 100, Strong | $80.0M | 12.0% | 0.00% | vs |
| The Commercial National Bank of BradyBank Brady, TX | 78 out of 100, Strong | $425.4M | 10.2% | 0.00% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| The Huntington National BankBank Columbus, OH | 59 out of 100, Moderate | $283.1B | 9.3% | 1.06% | vs |