MCBank
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 9.8. A current level of 0.6 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Securities (37%), cash (15%), home mtgs (12%), comm re (10%), comm loans (2%), consumer loans (2%), other (22%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Goldthwaite Bancshares, Inc.
Investment Rating
--
Address
1017 Parker Street
Goldthwaite, TX 76844
Goldthwaite, TX 76844
Phone Number
(325) 648-2216
Year Founded
1888
FDIC Number
Website
Largest Affiliates
No affiliate information available.