BlastPoint's Banking Scorecard
MCBank
Goldthwaite, TX
4 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +7.2% year over year ($429.6M on the books).
- Delinquency rate 2.60%.
- Return on assets 1.35%.
- Efficiency ratio 64.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 46.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
MCBank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.69% above tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$467.2M
+7.6% YoY
+0.3% QoQ
|
+$80.6M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$201.2M
+2.2% YoY
+1.2% QoQ
|
-$57.2M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$429.6M
+7.2% YoY
+0.6% QoQ
|
+$102.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.35%
+0.2% YoY
+5.1% QoQ
|
+0.03% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.46%
-5.0% YoY
-0.7% QoQ
|
-0.53% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
64.51%
+1.6% YoY
-3.0% QoQ
|
+0.03% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
2.60%
+62.8% QoQ
|
+1.69% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.1% in tier |
| Loan-to-Deposit Ratio ? |
46.83%
-4.6% YoY
+0.5% QoQ
|
-31.12% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.38%
-4.0% YoY
-0.5% QoQ
|
+8.35% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.12%
+64.2% QoQ
|
+0.45% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
18.50%
+8.4% YoY
-0.6% QoQ
|
+2.59% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.29%
-23.3% YoY
+111.6% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
71% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.4%
-1.3pp YoY -0.2pp QoQ |
+8.2pp | 22.1% | 29.2% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
-1.0pp YoY -0.8pp QoQ |
-7.2pp | 11.6% | 14.8% | 12.5% | 16% |
| CRE |
55.1%
+2.5pp YoY +1.1pp QoQ |
+15.6pp | 39.5% | 48.4% | 41.4% | 78% |
| 1-4 Family |
26.8%
-0.7pp YoY -0.1pp QoQ |
-5.8pp | 32.6% | 25.8% | 31.3% | 44% |
| Consumer |
3.8%
-0.9pp YoY -0.3pp QoQ |
-0.4pp | 4.1% | 4.7% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.5%
+1.4pp YoY -0.1pp QoQ |
-0.3pp | 18.8% | 22.7% | 19.7% | 72% |
| Leverage Ratio |
10.0%
+0.1pp YoY +0.3pp QoQ |
-2.2pp | 12.2% | 12.6% | 12.6% | 32% |
| Total Capital Ratio |
19.7%
+1.4pp YoY -0.2pp QoQ |
-0.3pp | 19.9% | 23.8% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
84
0 YoY +2 (+2.4%) QoQ |
+25 | 58 | 186 | 482 | 79% |
| Assets per Employee ($) |
$5.6M
+7.6% YoY -2.0% QoQ |
-$2.0M | $7.5M | $10.1M | $8.8M | 24% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.6%
+2.5pp YoY +1.0pp QoQ |
+1.7pp | 0.9% | 1.0% | 1.0% | 92% |
| Allowance Coverage |
0.57x
-95.1% YoY -41.3% QoQ |
-23.59x | 24.15x | 18.82x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.3%
-0.1pp YoY +0.6pp QoQ |
+6.1pp | 12.2% | 13.2% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 35% |
| Net Income ($, YTD) |
$3.1M
+9.5% YoY — QoQ |
+$574K | $2.6M | $15.9M | $40.4M | 71% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.