BlastPoint's Banking Scorecard

MCBank

Micro Specialty: Commercial TX FDIC cert 15669

Designations: ✓ Community bank

Goldthwaite, TX

2498 banks in Micro tier nationally 193 in TX

View Micro leaderboard (TX) →

MCBank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$456.1M +10.0% YoY +0.4% QoQ	+$238.6M	$217.5M +2.3% YoY	$2.3B -0.7% YoY	$5.9B +6.5% YoY	Top 5% in tier
Total Loans ?	$201.4M +10.6% YoY +2.8% QoQ	+$62.3M	$139.2M +2.8% YoY	$1.0B +7.5% YoY	$3.1B +8.5% YoY	75%
Total Deposits ?	$416.5M +11.7% YoY -0.1% QoQ	+$232.9M	$183.7M +1.8% YoY	$1.9B +2.1% YoY	$4.7B +6.3% YoY	Top 2% in tier
Return on Assets ?	1.33% +11.7% YoY +1.0% QoQ	+0.24%	1.08% +14.7% YoY	1.40% +9.8% YoY	1.12% +15.6% YoY	66%
Net Interest Margin ?	3.61% +4.2% YoY +0.6% QoQ	-0.24%	3.85% +6.6% YoY	4.07% +5.6% YoY	3.75% +7.1% YoY	40%
Efficiency Ratio ?	63.30% -4.3% YoY -2.2% QoQ	-4.42%	67.73% -4.8% YoY	61.95% -3.4% YoY	65.09% -5.1% YoY	58%
Delinquency Rate ?	1.91% +645.0% YoY	+1.27%	0.64% +24.4% YoY	0.57% +45.3% YoY	0.66% +20.3% YoY	Bottom 14% in tier
Loan-to-Deposit Ratio ?	48.36% -1.0% YoY +3.0% QoQ	-26.17%	74.53% +0.5% YoY	67.65% -1.7% YoY	78.04% +0.7% YoY	Top 12% in tier
Non-Interest-Bearing Deposit Share ?	29.94% -8.8% YoY -1.6% QoQ	+7.55%	22.39% -1.3% YoY	29.04% -1.4% YoY	21.79% -1.3% YoY	79%
Nonperforming Asset Ratio ?	0.84% +649.0% YoY	+0.39%	0.45% +25.1% YoY	0.42% +34.9% YoY	0.48% +20.8% YoY	24%
Tier 1 Capital Ratio ?	17.86% -9.3% YoY +1.9% QoQ	+9.01%	8.85% -3.4% YoY	10.86% -2.2% YoY	9.75% -1.9% YoY	82%
Non-Interest Income / Assets ?	0.67% -2.6% YoY +26.8% QoQ	+0.11%	0.56% +0.3% YoY	0.87% +17.4% YoY	0.65% +0.6% YoY	81%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Deposits

Current: $416.5M · Tier avg: $183.7M

98th pctile

Total Assets

Current: $456.1M · Tier avg: $217.5M

95th pctile

Loan-to-Deposit Ratio

Current: 48.36% · Tier avg: 74.53%

88th pctile

Tier 1 Capital Ratio

Current: 17.86% · Tier avg: 8.85%

82th pctile

Non-Interest Income / Assets

Current: 0.67% · Tier avg: 0.56%

81th pctile

Non-Interest-Bearing Deposit Share

Current: 29.94% · Tier avg: 22.39%

79th pctile

Total Loans

Current: $201.4M · Tier avg: $139.2M

75th pctile

Return on Assets

Current: 1.33% · Tier avg: 1.08%

66th pctile

Efficiency Ratio

Current: 63.30% · Tier avg: 67.73%

58th pctile

Net Interest Margin

Current: 3.61% · Tier avg: 3.85%

40th pctile

Nonperforming Asset Ratio

Current: 0.84% · Tier avg: 0.45%

24th pctile

Delinquency Rate

Current: 1.91% · Tier avg: 0.64%

14th pctile

Top Weaknesses