| Metric | MCBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +2.2% | +5.6% | -3.4 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $467.2M | $429.6M | $201.2M | $35.5M | $3.1M | 1.35% | 3.46% | 1.12% |
| Q1 2026 | $465.6M | $426.9M | $198.9M | $33.9M | $1.5M | 1.29% | 3.48% | 0.68% |
| Q4 2025 | $456.1M | $416.5M | $201.4M | $33.3M | $5.8M | 1.33% | 3.61% | 0.84% |
| Q3 2025 | $454.3M | $417.0M | $195.9M | $31.6M | $4.2M | 1.31% | 3.59% | 0.06% |
| Q2 2025 | $434.1M | $400.9M | $196.8M | $28.3M | $2.9M | 1.35% | 3.64% | 0.06% |
| Q1 2025 | $422.2M | $378.4M | $195.5M | $33.9M | $962K | 0.92% | 3.65% | 0.10% |
| Q4 2024 | $414.8M | $373.0M | $182.2M | $31.2M | $5.0M | 1.19% | 3.47% | 0.11% |
| Q3 2024 | $416.5M | $366.5M | $184.4M | $36.7M | $3.7M | 1.16% | 3.46% | 0.10% |
Loan mix (Q2 2026): real estate $181.6M · commercial $8.8M · consumer $7.6M · securities $158.4M
| Ratio | MCBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | MCBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | MCBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | MCBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | MCBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | MCBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+0 vs 2024) · $400.9M branch deposits. Biggest market: Mills, TX, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mills, TX | 1 | $178.8M | 100.00% | 1st |
| Hamilton, TX | 2 | $128.1M | 62.56% | 1st |
| Brown, TX | 1 | $94.0M | 10.93% | 3rd |
Texas: 264th with 0.03% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4