Mason City National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 2.32 percentage points in Q3 2026, from 42.00% to 39.68%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, Mason City National Bank is 15th from the bottom among 323 Illinois banks, 39.68% (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.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $33.7M |
| Net loans and leases | $33.6M |
| Loans held for sale | $0 |
| Loans to total assets | 35.81% |
| Loan-to-deposit ratio | 39.68% |
| Net loans to equity capital | 3.80% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.19% |
| Consumer | 3.69% |
| Credit cards | 0.00% |
| Farm | 33.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.88% |
| Interest income on loans | $498K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $34.1M | $72.9M | 3.15% | 2.62% | 3.78% |
| Q1 2024 | $32.7M | $75.0M | 3.20% | 3.14% | 4.03% |
| Q2 2024 | $32.4M | $69.4M | 3.14% | 2.92% | 4.10% |
| Q3 2024 | $32.9M | $70.0M | 2.97% | 2.42% | 4.39% |
| Q4 2024 | $32.7M | $68.8M | 2.66% | 2.35% | 4.33% |
| Q1 2025 | $32.6M | $67.5M | 2.41% | 2.58% | 4.20% |
| Q2 2025 | $32.4M | $64.7M | 2.11% | 2.76% | 4.46% |
| Q3 2025 | $32.0M | $72.9M | 2.05% | 2.86% | 4.39% |
| Q4 2025 | $32.4M | $75.5M | 1.86% | 2.52% | 4.10% |
| Q1 2026 | $31.9M | $77.4M | 1.68% | 2.85% | 3.73% |
| Q2 2026 | $33.6M | $80.1M | 2.24% | 2.52% | 3.92% |
| Q3 2026 | $33.7M | $85.0M | 2.18% | 2.19% | 3.69% |
Mason City National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mason City National Bank, freeSource: Call Report Schedule RC-C, 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)