MASON CITY NATIONAL BANK

MASON CITY, IL | Micro | Est. Oct. 9, 1944, midnight | FDIC #16198 | RSSD #108746 | OCC
Latest Report: 2025-12-31

MASON CITY NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in MASON CITY, IL, established in Oct. 9, 1944, midnight. As of 2025-12-31, the bank reported total assets of $87M and total deposits of $75M. Profitability stands at 1.44% ROA and 10.93% ROE, with a net interest margin of 3.14%. The bank's CET1 capital ratio is 12.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.46%. FDIC Certificate #16198.

Assets

$87M

Deposits

$75M

Loans

$32M

Equity

$11M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 10.93%
Net Interest Margin (NIM) 3.14%
Yield on Assets 4.37%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio --
Texas Ratio 0.46%
NPA Ratio 0.06%
ACL / Loans 0.46%

Capital & Liquidity

CET1 Ratio 12.85%
Tier 1 Capital 12.85%
Total Capital Ratio 13.49%
Leverage Ratio 15.32%
Loan-to-Deposit 42.91%

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