Mason City National Bank
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Data as of · sourced from FFIEC call reports. How we update
Mason City National Bank is an FDIC-insured commercial bank headquartered in Mason City, IL, established in 1944 (FDIC certificate 16198), and it is supervised by the OCC. At Q2 2026 it reported total assets of $91.4M, up 21.7% from Q2 2025, the 265th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16198
- Headquarters
- Mason City, IL
- Established
- 1944
- Total assets, Q2 2026
- $91.4M
- Assets vs Q2 2025
- +21.7%
- Tier 1 leverage ratio, Q2 2026
- 15.34%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071121772
- Latest call report
- Q2 2026, FFIEC 051 · Mason City National Bank call report
- Holding company
- MASON CITY BANCORP, INC.
- Asset rank in state
- 265th of 319 in Illinois
Mason City National Bank runs leaner than most banks of its size. Its balance sheet stood at $91 million at June 30, 2026, up 21.7% from a year earlier; it is based in Mason City, Illinois. It spends about 48 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also grew deposits 23.7% over the year, 9.5 times the median of 2.5% for banks its size.
Earnings jumped: net income for the quarter was $349,000, 32% above the same quarter a year earlier. Over the same year, loans grew 3.7% and deposits grew 23.7%. Its margin is thin by comparison: it keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Mason City National Bank reported a return on assets of 1.55%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mason City National Bank is the 265th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.3% to $91.4M, loans rose 5.5% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 33.0% of total loans, followed by 1-4 family residential loans at 30.5%. Its one office in the FDIC Summary of Deposits is in Mason City, IL. On its Q2 2026 call report, Mason City National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 W Pine St, Mason City, IL 62664
- County
- Mason
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 9, 1944
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $80.1M
- Allowance for credit losses
- $148K
- Net charge-offs (YTD)
- $0
- Average total assets
- $90.2M
- Average total loans
- $32.8M
- Average interest-bearing deposits
- $61.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 9, 1944
- FDIC Cert
- 16198
- Fed RSSD
- 108746
- Parent Holding Company
- MASON CITY BANCORP, INC. (RSSD 1399019)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Mason City National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Mason City National Bank's total assets ran between $75.1M (Q2 2025) and $91.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$91.4M total assets against $75.1M; $80.4M total liabilities against $64.9M.
$33.5M net loans and leases against $32.3M; $80.1M total deposits against $64.7M.
$52.8M securities against $37.6M; $2.8M cash and balances due against $3.3M.
$961K total interest income against $755K; $321K total interest expense against $211K.
$640K net interest income against $544K.
$79K total noninterest income against $71K; $352K total noninterest expense against $337K.
No provision recorded in the last 12 quarters.
$349K net income against $264K.
1.55% return on assets against 1.32%; 2.91% net interest margin against 2.89%.
15.34% tier 1 leverage ratio against 16.81%.
Inside the full Mason City National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 1.55% (Q2 2026) and its net interest margin ran from 2.64% (Q3 2024) to 3.03% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.34% | 1.55% | 0.04% | 0.39% | 2.91% |
| Q1 2026 | 15.02% | 1.51% | 0.06% | 0.44% | 2.90% |
| Q4 2025 | 15.32% | 1.41% | 0.16% | 0.46% | 3.03% |
| Q3 2025 | 16.32% | 1.41% | 0.17% | 0.46% | 2.96% |
| Q2 2025 | 16.81% | 1.32% | 0.18% | 0.56% | 2.89% |
| Q1 2025 | 16.17% | 1.22% | 0.19% | 0.60% | 2.75% |
| Q4 2024 | 15.72% | 1.07% | 0.20% | 0.70% | 2.69% |
| Q3 2024 | 16.04% | 1.14% | 0.88% | 2.62% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mason City National Bank (main office) | Mason City , IL | 62664 | $80.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 313 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $349K approved, $349K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mason City National Bank
What are Mason City National Bank's total assets?
As of the Q2 2026 filing, Mason City National Bank reported total assets of $91.4 million in its FFIEC call report.
Where is Mason City National Bank headquartered?
It is headquartered in Mason City, IL, United States.
When was Mason City National Bank founded?
It was established in 1944, per the FDIC institution directory.
Is Mason City National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mason City National Bank?
Mason City National Bank's primary federal regulator is the OCC.
How many branches does Mason City National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mason City National Bank's Texas Ratio?
Its Texas Ratio is 0.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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