MASON BANK

MASON, TX | Small | Est. Jan. 15, 1904, midnight | FDIC #3327 | RSSD #368054 | FED
Latest Report: 2025-12-31

MASON BANK is asn small FDIC-insured commercial bank headquartered in MASON, TX, established in Jan. 15, 1904, midnight. As of 2025-12-31, the bank reported total assets of $144M and total deposits of $121M. Profitability stands at 1.46% ROA and 9.05% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 16.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.48% and a Texas Ratio of 2.69%. FDIC Certificate #3327.

Assets

$144M

Deposits

$121M

Loans

$68M

Equity

$23M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 9.05%
Net Interest Margin (NIM) 4.54%
Yield on Assets 5.63%
Cost of Funds 1.21%

Asset Quality

NPL Ratio 0.48%
Net Charge-Off Ratio 0.41%
Texas Ratio 2.69%
NPA Ratio 0.45%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 16.06%
Tier 1 Capital 16.06%
Total Capital Ratio 16.86%
Leverage Ratio 20.06%
Loan-to-Deposit 56.74%

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