The First National Bank of McGregor

Overview / Commentary

www.tfnbtx.com

254-840-2836

401 South Main Street
Mc Gregor, TX 76657

The First National Bank of McGregor is headquartered in Mc Gregor and is the 122^nd largest bank in the state of Texas. It is also the 1,378^th largest bank in the nation. It was established in 1889 and as of December of 2019, it had grown to 87 employees at 4 locations. The First National Bank of McGregor has an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	3330
Year Established	1889
Employees	87
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	9%
Annual Interest Income	$29.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$531.2MM$410.8MM
Loans	Q4 2019vs Q4 2018	$449.5MM$374.7MM
Deposits	Q4 2019vs Q4 2018	$469.2MM$375.3MM
Equity Capital	Q4 2019vs Q4 2018	$59.4MM$33.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$4.9MM$3.8MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.8MM$587.00K
Real Estate Owned	Q4 2019vs Q4 2018	$576.00K$214.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of McGregor Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	-	-	Kid's Life Savings Club
0.75%^*	-	$100k	Edge Ahead Savings
OTHER TIERS: 0.25% → $100k+
0.50%^*	$200k^*	$500k	Investment Account
OTHER TIERS: 0.10% → $1k - $25k \| 0.15% → $500k+ \| 0.25% → $25k - $100k \| 0.35% → $100k - $200k
0.30%^*	$10k^*	-	Statement Savings
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $10k

The First National Bank of McGregor Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$10k^*	-	Money Market Checking Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $10k

The First National Bank of McGregor Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$15k	Extra Edge Checking
OTHER TIERS: 0.25% → $15k+
1.00%	-	-	Student Life Checking
0.30%^*	$10k^*	$250k	NOW Checking
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $250k+
0.30%^*	$10k^*	$250k	Life's Advantage Checking
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $250k+
0.30%^*	$10k^*	$250k	Life’s Advantage Checking 50 Plus
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $250k+
0.30%^*	$10k^*	$250k	Commercial Interest Bearing Checking
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $250k+

The First National Bank of McGregor CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%	$100k	-	39 Month CD Special
2.11%	$100k	-	27 Month CD Special
1.91%	$100k	-	15 Month CD Special
1.51%	$500	-	60 Month CD
1.15%	$500	-	36 Month CD
1.00%	$500	-	30 Month CD
0.85%	$500	-	24 Month CD
0.75%	$500	-	18 Month CD
0.65%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD
0.25%	$500	-	3 Month CD
0.10%	$500	-	30 Day CD

The First National Bank of McGregor IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	60 Month IRA
1.15%	$500	-	36 Month IRA
1.00%	$500	-	30 Month IRA
0.85%	$500	-	24 Month IRA
0.75%	$500	-	18 Month IRA
0.65%	$500	-	12 Month IRA

Locations

The First National Bank of McGregor Locations
South Bosque Branch	27000 Hwy 84	Mc Gregor, TX 76657
The First National Bank Of Mcgregor	401 South Main Street	Mc Gregor, TX 76657
Oglesby State Bank Branch	117 Texas 1996	Oglesby, TX 76561
Tfnb Triangle Tower Location Branch	510 N. Valley Mills Drive	Waco, TX 76710
Downtown Waco Branch	901 S. 8th Street	Waco, TX 76706

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