TX lenders / Community Bank
MCBank
Community Bank · Goldthwaite, TX · Goldthwaite Bancshares Inc
- Total assets
- $465.6M
- CRE loan book
- $107.5M
- QoQ CRE growth
- -1.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.77% as of Q1 2026 — TX bank median 4.87% (1.91pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.77% | 6.85% |
| Q4 2025 | 7.26% | 7.32% |
| Q3 2025 | 7.10% | 7.19% |
| Q2 2025 | 6.85% | 6.95% |
| Q1 2025 | 6.99% | 7.16% |
| Q4 2024 | 6.83% | 6.93% |
| Q3 2024 | 6.80% | 7.00% |
| Q2 2024 | 6.61% | 6.82% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $107.5M | $30.1M | $31.1M | 192% | $137,000 |
| Q4 2025 | $109.0M | $33.6M | $26.7M | 203% | $144,000 |
| Q3 2025 | $103.1M | $30.4M | $26.8M | 184% | $13,000 |
| Q2 2025 | $103.5M | $28.6M | $28.6M | 188% | $17,000 |
| Q1 2025 | $99.7M | $25.6M | $28.7M | 156% | $21,000 |
| Q4 2024 | $88.1M | $24.7M | $21.4M | 143% | $132,000 |
| Q3 2024 | $88.6M | $23.9M | $19.6M | 143% | $40,000 |
| Q2 2024 | $84.5M | $21.7M | $18.3M | 137% | $47,000 |
Signals
Recent news
- Louisiana's MCBANK taps Jack Henry for tech overhaul - FinTech Futures — Coverage of MCBank related to commercial real estate and lending reported by fintechfutures.com.Aug 3, 2026
- MCBANK Selects Jack Henry to Power Relationship-Driven Banking - PR Newswire — Coverage of MCBank related to commercial real estate and lending reported by prnewswire.com.Jul 30, 2026
- MCBANK Expands Downtown Headquarters - Biz New Orleans — Coverage of MCBank related to commercial real estate and lending reported by bizneworleans.com.Jul 7, 2026
- MCBANK expands downtown New Orleans headquarters - New Orleans CityBusiness — Coverage of MCBank related to commercial real estate and lending reported by neworleanscitybusiness.com.Jul 7, 2026
- Federal judge denies First Horizon’s injunction request against MCBANK executive - New Orleans CityBusiness — Coverage of MCBank related to commercial real estate and lending reported by neworleanscitybusiness.com.Jun 9, 2026
MCBank: frequently asked questions
- How large is MCBank's commercial real estate loan book?
- As of Q1 2026, MCBank reported $107.5M in commercial real estate loans out of $465.6M in total assets, per its FFIEC Call Report.
- Is MCBank above the 300% CRE concentration guideline?
- MCBank's CRE loans stood at 192% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is MCBank growing or shrinking its CRE lending?
- MCBank's CRE loan book shrank 1.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Enterprise Bank of South CarolinaCommunity Bank · Ehrhardt · $107.1M CRE book
- First State BankCommunity Bank · Irvington · $108.4M CRE book
- The Citizens Bank of SwainsboroCommunity Bank · Swainsboro · $106.2M CRE book
- The Pauls Valley National BankCommunity Bank · Pauls Valley · $106.1M CRE book
- First State Bank & TrustCommunity Bank · Williston · $106.1M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.