MCBank: how it compares with its peers
Against 138 TX banks with half to twice its assets, MCBank's strongest measure in Q2 2026 is return on assets (1.35% vs. a 1.48% peer median). Its weakest relative measure is net interest margin (3.46% vs. 4.21%).
| Measure | MCBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.48% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 4.21% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.51% | 60.35% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.3M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 46.83% | 73.02% | Context |
What it means for lending operations
Its efficiency ratio of 64.51% is above the 60.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Livingston Livingston, TX · $467M
- Shelby Savings Bank, SSB Center, TX · $457M
- Trinity Capital Bank of Texas Ennis, TX · $457M
- First State Bank Clute, TX · $478M
- The City National Bank of Colorado City Colorado City, TX · $452M
- The Liberty National Bank in Paris Paris, TX · $452M
Questions about MCBank
How big is MCBank?
MCBank, established in 1908, is headquartered in Goldthwaite, TX. It reported $467M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is MCBank's return on assets?
1.35% annualized in Q2 2026, against a 1.48% median for 138 TX banks with half to twice its assets, ahead of 41% of them.
What is MCBank's efficiency ratio?
64.51% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is MCBank growing its loans?
Net loans grew 2.2% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.