BanksMASON CITY NATIONAL BANK

MASON CITY NATIONAL BANK

MASON CITY, ILMicroEst. Oct. 9, 1944, midnightFDIC #16198RSSD #108746OCC
Latest · 2025-12-31

MASON CITY NATIONAL BANK is an 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%. CET1 capital ratio: 12.85%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 0.46%. Operates 1 domestic branch.

Assets
$87M
Deposits
$75M
Loans
$32M
Equity
$11M

Profitability

Return on Assets (ROA)1.44%
Return on Equity (ROE)10.93%
Net Interest Margin3.14%
Yield on Assets4.37%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.16%
Net Charge-Off Ratio0.00%
Texas Ratio0.46%
NPA Ratio0.06%
ACL / Loans0.46%

Capital & Liquidity

CET1 Ratio12.85%
Tier 1 Capital12.85%
Total Capital Ratio13.49%
Leverage Ratio15.32%
Loan-to-Deposit42.91%

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