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The First National Bank Of Mcgregor
Mc Gregor, TX · FDIC Certificate #3330 · Chartered 01/0
Total assets
$1.08B
Total deposits
$949.65M
Total equity
$91.15M
Net loans
$799.00M
Branches (offices)
6
Net income (YTD)
$5.69M
Rank: #978 of 4,213 U.S. banks by assets · #86 of 346 in Texas. Assets changed 9.6% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 12.91% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 8.47% |
| Tier 1 leverage ratio | 9.55% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 2.72% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 86.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $694.19M | 86.9% | |
| Commercial & industrial | $92.30M | 11.6% | |
| Consumer / individual | $16.25M | 2.0% | |
| Construction & development | $89.50M | 11.2% | |
| Agricultural | $6.05M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $744.58M | $676.34M | $3.13M | $65.80M |
| Jun 2023 | $845.23M | $769.67M | $4.74M | $72.17M |
| Jun 2024 | $917.50M | $808.28M | $3.19M | $79.63M |
| Jun 2025 | $981.72M | $876.82M | $5.02M | $89.65M |
| Jun 2026 | $1.08B | $949.65M | $5.69M | $91.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $949.65M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $949.65M.
Similar-sized banks
Frontier Bank Of Texas ($1.08B) · Ixonia Bank ($1.08B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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