Bank Comparison
Mason City National Bank vs Bank of Yates City
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Mason City National Bank | Bank of Yates City |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.02% | 9.63% |
| Equity / Assets | 12.23% | 9.13% |
Profitability
| Metric | Mason City National Bank | Bank of Yates City |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 1.09% |
| Return on Equity (ROE) | 12.48% | 12.19% |
| Net Interest Margin (NIM) | 2.90% | 3.89% |
| Yield on Earning Assets | 4.15% | 5.15% |
| Cost of Funds | 1.45% | 1.32% |
Asset quality
| Metric | Mason City National Bank | Bank of Yates City |
|---|---|---|
| Texas Ratio | 0.44% | 30.95% |
| Non-Performing Loan Ratio | 0.06% | 3.40% |
| Non-Performing Asset Ratio | 0.05% | 2.29% |
| Net Charge-Off Ratio | 0.00% | 0.12% |
| ACL / Loans | 0.46% | 1.50% |
Balance sheet
| Metric | Mason City National Bank | Bank of Yates City |
|---|---|---|
| Total Assets | $88,491K | $88,937K |
| Total Deposits | $77,415K | $80,149K |
| Total Loans | $31,867K | $59,042K |
| Total Equity | $10,826K | $8,121K |
| Net Income (quarter) | $343 | $244 |
Liquidity & funding
| Metric | Mason City National Bank | Bank of Yates City |
|---|---|---|
| Loan-to-Deposit Ratio | 41.16% | 73.67% |
| Core Deposit Ratio | 95.79% | 92.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mason City National Bank | Bank of Yates City |
|---|---|---|
| Headquarters City | MASON CITY | YATES CITY |
| Headquarters State | IL | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 14492 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 12 | 15 |
| Established | Oct. 9, 1944, midnight | Jan. 1, 1871, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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