BlastPoint's Banking Scorecard

MCBank

$100M-$1B Specialty: Commercial TX FDIC cert 15669

Goldthwaite, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

MCBank faces 3 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 1.20% above tier average
- Delinquency Rate 0.71% above tier average

Get updates when MCBank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$465.6M +10.3% YoY +2.1% QoQ	+$79.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$198.9M +1.7% YoY -1.3% QoQ	-$56.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$426.9M +12.8% YoY +2.5% QoQ	+$98.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.29% +39.9% YoY -3.0% QoQ	+0.02%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.48% -4.7% YoY -3.7% QoQ	-0.45%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	66.49% -4.3% YoY +5.0% QoQ	+1.20%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	1.60% +915.1% YoY -16.1% QoQ	+0.71%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	46.59% -9.8% YoY -3.7% QoQ	-30.05%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 7.2% in tier
Non-Interest-Bearing Deposit Share ?	30.54% -7.7% YoY +2.0% QoQ	+8.52%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.68% +612.3% YoY -18.8% QoQ	+0.05%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	18.62% -5.5% YoY +4.3% QoQ	+2.79%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.14% -6.4% YoY -79.4% QoQ	-0.14%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

193

Loan-to-Deposit Ratio

liquidity

Value: 46.59%

Peer Median: 76.64%

#193 of 2664 Top 7.2% in $100M-$1B

448

Non-Interest-Bearing Deposit Share

funding

Value: 30.54%

Peer Median: 22.02%

#448 of 2664 Top 16.8% in $100M-$1B

450

Tier 1 Capital Ratio

capital

Value: 18.62%

Peer Median: 15.83%

#450 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (1 metrics)

2207

Delinquency Rate

credit_quality

Value: 1.60%

Peer Median: 0.89%

#2207 of 2654 Bottom 16.9% in $100M-$1B