Mason City National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 116.0% in Q3 2026, from $2.8M to $6.0M. It was the largest change from Q2 2026 among the key lines here. Mason City National Bank has the 15th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 39.68% as of Q3 2026. Mason City National Bank reported 39.68% on loan-to-deposit ratio for Q3 2026, 27.94 points below the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 39.68% |
| Net loans and leases to deposits | 39.51% |
| Loans and leases to core deposits | 41.64% |
| Core deposits to total deposits | 76.52% |
| Brokered deposits to total deposits | 18.78% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 46.80% | 91.18% | $0 | $0 |
| Q1 2024 | 43.53% | 92.40% | $0 | $0 |
| Q2 2024 | 46.64% | 92.82% | $0 | $0 |
| Q3 2024 | 47.02% | 92.84% | $0 | $0 |
| Q4 2024 | 47.55% | 92.68% | $0 | $0 |
| Q1 2025 | 48.26% | 95.45% | $0 | $0 |
| Q2 2025 | 50.08% | 95.21% | $0 | $0 |
| Q3 2025 | 43.90% | 90.60% | $0 | $0 |
| Q4 2025 | 42.91% | 84.29% | $0 | $0 |
| Q1 2026 | 41.16% | 81.62% | $0 | $0 |
| Q2 2026 | 42.00% | 74.72% | $0 | $0 |
| Q3 2026 | 39.68% | 76.52% | $0 | $0 |
Mason City National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mason City National Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mason City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16198) · FFIEC NIC profile (RSSD 108746)