🏦Bank Scorer

MCBANK

GOLDTHWAITE, TX · Supervised by FDIC

Est. 1908FDIC #15,669RSSD: FDIC-15669
Part ofGOLDTHWAITE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

1017 Parker St, GOLDTHWAITE, TX

County

Mills County

Established

November 24, 1908

Total Assets

$466M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$466M

Total Deposits

$427M

Net Loans

$199M

Net Income

$1M

ROA

1.29%

ROE

17.64%

Risk-Based Capital

19.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$401M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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