Institution Summary
Financial Snapshot
M C Bank & Trust Company reported total assets of $478.8M8 as of 2025-09-30. The institution holds $386.6M in deposits9 and maintains a loan portfolio of $311.8M10. Total equity capital stands at $79.8M11, representing an equity-to-assets ratio of 16.68%12.
Key Metrics (Q3 2025)
Growth Trajectory
M C Bank & Trust Company has demonstrated strong growth over the past five years, with total assets increasing 56.0%.14
Asset & Deposit Trend
| Period | Total Assets8 | Total Deposits9 | Asset Growth (QoQ) |
|---|---|---|---|
| 2019-12-31 | $306.9M | $232.8M | — |
| 2020-03-31 | $304.0M | $228.5M | -1.0% |
| 2020-06-30 | $333.2M | $255.2M | +9.6% |
| 2020-09-30 | $334.3M | $255.9M | +0.3% |
| 2020-12-31 | $335.2M | $257.3M | +0.3% |
| 2021-03-31 | $359.8M | $281.7M | +7.3% |
| 2021-06-30 | $367.4M | $288.6M | +2.1% |
| 2021-09-30 | $368.9M | $290.2M | +0.4% |
| 2021-12-31 | $374.8M | $297.0M | +1.6% |
| 2022-03-31 | $385.2M | $310.6M | +2.8% |
| 2022-06-30 | $381.0M | $307.5M | -1.1% |
| 2022-09-30 | $379.7M | $307.8M | -0.3% |
| 2022-12-31 | $382.2M | $291.7M | +0.7% |
| 2023-03-31 | $401.5M | $289.1M | +5.1% |
| 2023-06-30 | $415.0M | $284.3M | +3.4% |
| 2023-09-30 | $401.8M | $284.8M | -3.2% |
| 2023-12-31 | $442.4M | $308.5M | +10.1% |
| 2024-03-31 | $453.6M | $326.4M | +2.5% |
| 2024-06-30 | $441.3M | $332.9M | -2.7% |
| 2024-09-30 | $448.5M | $337.6M | +1.6% |
| 2024-12-31 | $431.0M | $342.9M | -3.9% |
| 2025-03-31 | $443.4M | $354.2M | +2.9% |
| 2025-06-30 | $472.4M | $382.3M | +6.5% |
| 2025-09-30 | $478.8M | $386.6M | +1.4% |
Source: FFIEC Call Reports, Schedule RC
Capital & Risk Metrics
M C Bank & Trust Company maintains strong capital ratios. The Tier 1 leverage ratio stands at 17.40%18, well above the 4% minimum for well-capitalized institutions. The efficiency ratio of 72.01% indicates elevated operating costs.20
Capital & Performance Ratios (Q3 2025)
Credit Quality
Noncurrent loans represent 1.27% of total loans, above industry averages. The noncurrent loans to equity capital ratio is 4.96%, suggesting strong loss absorption capacity.2122
Profitability
The bank generated year-to-date net income of $3.3M13. Return on average equity stands at 5.61%.23 Annual equity capital grew 4.34%.25
Data Sources & Footnotes
All data sourced from official regulatory filings. Each metric is cited to its source document and field code for verification.
1 [FRS:id_rssd] Federal Reserve Structure Data, RSSD Identifier
2 [FRS:id_fdic_cert] Federal Reserve Structure Data, FDIC Certificate Number
3 [FRS:entity_type] Federal Reserve Structure Data, Entity Type Code
4 [FRS:prim_fed_reg] Federal Reserve Structure Data, Primary Federal Regulator
5 [FRS:dt_open] Federal Reserve Structure Data, Date Opened
6 [FRS:dt_insur] Federal Reserve Structure Data, Date FDIC Insured
7 [FRS:city, state_abbr_nm] Federal Reserve Structure Data, Address Fields
8 [CR:RCON2170:Q3 2025] FFIEC Call Report, Schedule RC, Total Assets
9 [CR:RCON2200:Q3 2025] FFIEC Call Report, Schedule RC, Total Deposits
10 [CR:RCON2122:Q3 2025] FFIEC Call Report, Schedule RC, Total Loans and Leases
11 [CR:RCON3210:Q3 2025] FFIEC Call Report, Schedule RC, Total Equity Capital
12 [UBPR:UBPRE634:Q3 2025] UBPR, Equity Capital to Assets Ratio
13 [CR:RIAD4340:Q3 2025] FFIEC Call Report, Schedule RI, Net Income YTD
14 Calculated from [CR:RCON2170] 5-year comparison
18 [UBPR:UBPRD486:Q3 2025] UBPR, Tier 1 Leverage Capital Ratio
19 [UBPR:UBPRR031:Q3 2025] UBPR, Tier 1 Risk-Based Capital Ratio (N/A if bank uses CBLR framework)
20 [UBPR:UBPRE088:Q3 2025] UBPR, Efficiency Ratio
21 [UBPR:UBPR7414:Q3 2025] UBPR, Noncurrent Assets % Total Loans
22 [UBPR:UBPRE546:Q3 2025] UBPR, Noncurrent Loans to Equity Capital
23 [UBPR:UBPRE630:Q3 2025] UBPR, Net Income % Average Bank Equity
25 [UBPR:UBPRE635:Q3 2025] UBPR, Annual Growth Rate in Equity
Methodology
This profile is generated from FFIEC Call Report and Uniform Bank Performance Report (UBPR) data filed by M C Bank & Trust Company. All financial figures are in nominal U.S. dollars as reported. The institution is tracked using Finleet Universal Identifier (FUID) 391-003-839, which normalizes regulatory identifiers across mergers and structural changes.
Data Sources: FFIEC Central Data Repository, Federal Reserve National Information Center, FDIC BankFind Suite. Report period: Q3 2025.