MCBank

Overview / Commentary

www.mcsbtexas.com

325-648-2216

1017 Parker Street
Goldthwaite, TX 76844

MCBank is headquartered in Goldthwaite and is the 179^th largest bank in the state of Texas. It is also the 2,053^rd largest bank in the nation. It was established in 1908 and as of December of 2019, it had grown to 80 employees at 5 locations. MCBank has a B+ health rating.

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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	15669
Year Established	1908
Employees	80
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	11%
Annual Interest Income	$12.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$325.2MM$315.2MM
Loans	Q4 2019vs Q4 2018	$133.7MM$130.3MM
Deposits	Q4 2019vs Q4 2018	$289.2MM$284.8MM
Equity Capital	Q4 2019vs Q4 2018	$34.7MM$29.4MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.0MM$1.8MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$5.0MM$6.5MM
Real Estate Owned	Q4 2019vs Q4 2018	$45.00K$0

Rates

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Savings
Money Market
Checking
CD

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MCBank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$100	-	Statement Savings
0.25%	$100	-	Business Statement Savings
0.22%	$1k	-	Commercial IBA

MCBank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$1k	-	Money Market Account
0.30%	$1k	-	Business Money Market Account

MCBank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$1k	-	Super Now Account

MCBank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.57%	$1k	$100k	60 Months CD
1.52%	$1k	$100k	48 Months CD
1.27%	$1k	$100k	36 Months CD
1.12%	$1k	$100k	30 months CD
1.02%	$1k	$100k	24-29 Months CD
0.87%	$1k	$100k	18-23 Months CD
0.77%	$1k	$100k	12-17 Months CD
0.47%	$1k	$100k	6-11 Months CD
0.27%	$1k	$100k	3-5 Months CD
0.25%	$1k	$100k	7-29 Day CD
0.25%	$1k	$100k	30-89 Day CD

Locations

MCBank Locations
Mills County State Bank Branch	1005 E Main Street	Hamilton, TX 76531
Mills County State Bank	1017 Parker Street	Goldthwaite, TX 76844
Brownwood Branch	3101 Austin Avenue	Brownwood, TX 76801
Early Branch	411 Early Boulevard	Early, TX 76801
Mills County State Bank Hico Branch	135 North Pecan	Hico, TX 76457

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