Mcbank (FDIC #15669): Bank Stress & Real-Estate Credit Exposure

Mcbank (FDIC Cert #15669): bank stress 72/100, elevated, STABLE over 7 days; parent GOLDTHWAITE BANCSHARES INC.

Mcbank (#15669) lends in 3 counties across 1 state; Mcbank (#15669) reaches 24 ZIP codes: Texas 3 counties, 24 ZIPs.

Mcbank (#15669) largest markets: Brown County, TX (10 branches, 10 ZIPs) (#15669), Hamilton County, TX (20 branches, 10 ZIPs) (#15669), Mills County, TX (9 branches, 9 ZIPs) (#15669).

Mcbank (#15669) reports $467.2 million in total assets; Mcbank (#15669) equity $35.5 million (7.6% of Mcbank (#15669) assets); Mcbank (#15669) domestic deposits $429.6 million; Mcbank (#15669) net income $3.1 million; Mcbank (#15669) return on assets 1.35%; Mcbank (#15669) return on equity 18.27%; Mcbank (#15669) net interest income $7.5 million; Mcbank (#15669) call report June 30, 2026.

Mcbank (#15669) noncurrent real-estate loans: none reported; Mcbank (#15669) net charge-offs on real estate 2.88%; Mcbank (#15669) residential charge-offs 5.74%.

Mcbank (#15669) net interest margin 3.46% against an eight-quarter Mcbank (#15669) average of 3.55% (Mcbank (#15669) compression 0.09 points); Mcbank (#15669) non-residential real estate 573.8% of equity; Mcbank (#15669) rate-exposure score 40/100, Mcbank (#15669) fixed-rate trap 40/100; Mcbank (#15669) risk type credit driven; Mcbank (#15669) rate regime rates elevated, Mcbank (#15669) snapshot October 20, 2026.

Mcbank (#15669) stress score moved from 73 on June 22, 2026 to 72 on October 20, 2026; Mcbank (#15669) ranged 72 to 73 over 117 snapshots.

Mcbank (#15669) alerts: 3 counties; top Mcbank (#15669) alert scores: Early County, TX 23 (low); Goldthwaite County, TX 23 (low); Hico County, TX 23 (low).