TellerScore

The First National Bank of McGregor (FDIC certificate #3330) is based in Mc Gregor, Texas. Its Q2 2026 call report shows $1.1B in total assets and $949.6M in deposits and 6 offices.

The First National Bank of McGregor has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 341st. Earnings contributes the most (64/100, 1.09%); loan quality contributes the least (9/100, 2.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.55%
Loan quality9/100
Noncurrent loans ÷ total loans: 2.72%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 84.1% · 32.4% uninsured
Problem-loan coverage46/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 26.88%

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 22 points (64 → 42), mostly because the loan quality component weakened by 67 points.

TellerScore
415365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202465
Q4 202464
Q1 202562
Q2 202564
Q3 202562
Q4 202551
Q1 202641
Q2 202642
Tier 1 leverage ratio
5.00%7.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.36%
Q3 202410.01%
Q4 202410.00%
Q1 20259.68%
Q2 202510.06%
Q3 20259.36%
Q4 20259.45%
Q1 20269.41%
Q2 20269.55%
Noncurrent loans
0.44%1.58%2.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.88%
Q3 20240.44%
Q4 20240.55%
Q1 20250.83%
Q2 20250.72%
Q3 20250.63%
Q4 20251.75%
Q1 20262.63%
Q2 20262.72%
Return on assets
0.72%0.90%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.76%
Q4 20240.92%
Q1 20251.02%
Q2 20251.02%
Q3 20251.08%
Q4 20251.03%
Q1 20260.99%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$1.1B9.55%2.72%1.09%84.1%
Q1 202641$1.0B9.41%2.63%0.99%83.3%
Q4 202551$1.0B9.45%1.75%1.03%84.6%
Q3 202562$994.4M9.36%0.63%1.08%82.8%
Q2 202564$981.7M10.06%0.72%1.02%85.0%
Q1 202562$987.7M9.68%0.83%1.02%83.2%
Q4 202464$977.7M10.00%0.55%0.92%84.7%
Q3 202465$948.0M10.01%0.44%0.76%82.8%
Q2 202462$917.5M10.36%0.88%0.72%85.2%

897 peers · $1 billion – $10 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).

Capital ratio9.55%
24th
Total risk-based capital13.31%
46th
Problem loans2.72%
5th
Net charge-offs0.26%
15th
Return on assets1.09%
36th
Net interest margin4.13%
75th
Efficiency ratio63.3%
36th
Loans to deposits84.1%
57th
Uninsured deposits32.4%
46th
Loan-loss reserves1.32%
72nd
Texas ratio26.9%
1st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Frontier Bank of TexasBank Elgin, TX75 out of 100, Strong$1.1B10.0%0.15%vs
First Command BankBank Fort Worth, TX82 out of 100, Strong$1.1B10.2%0.42%vs
United Texas Bank, National AssociationBank Dallas, TX78 out of 100, Strong$1.1B16.0%0.00%vs
T Bank, National AssociationBank Dallas, TX45 out of 100, Below average$1.1B10.7%2.89%vs
UBankBank Huntington, TX69 out of 100, Moderate$1.0B10.5%0.46%vs
R BankBank Round Rock, TX50 out of 100, Below average$1.0B9.0%1.55%vs

Deposit insurance

Is my money safe at The First National Bank of McGregor?

Yes. The First National Bank of McGregor is an FDIC-insured institution (FDIC certificate #3330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.4% of deposits ($307.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.31% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The First National Bank of McGregor lists 6 offices in 3 cities. Most locations:

  • Waco, TX (3)
  • Mc Gregor, TX (2)
  • Woodway, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of McGregor reported 163 home-loan applications under HMDA (LEI 549300EC7M6N4U9DR727): 153 originated ($52,995,000 total), 3 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of McGregor
Type
National bank
FDIC certificate #
3330
RSSD ID
895055
Primary regulator
OCC
Holding company
McGregor Bancshares Inc
Established
January 1, 1889
Headquarters
401 S Main St, Mc Gregor, TX 76657
Employees
94

Quick answers

The First National Bank of McGregor: common questions

Is The First National Bank of McGregor FDIC insured?

Yes. The First National Bank of McGregor is an FDIC-insured institution (FDIC certificate #3330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of McGregor's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of McGregor ever failed?

There is no failure record for FDIC certificate #3330 in the FDIC failed bank list.

How many branches does The First National Bank of McGregor have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mc Gregor

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs