Mason City National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mason City National Bank of Mason City, IL against its peer group of 536 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.45% | 0.82% | +0.63% | 66th above |
| ROAE | 14.16% | 4.81% | +9.35% | 88th top |
| Net Interest Margin | 2.89% | 3.95% | -1.06% | 3rd bottom |
| Efficiency Ratio | 48.41% | 75.77% | -27.36% | 84th top |
| PPNR / Avg Assets | 1.50% | — | — | 56th above |
| Yield on Earning Assets | 4.41% | 5.44% | -1.03% | 14th bottom |
| Cost of Funds | 1.72% | 1.71% | +0.01% | 25th below |
| Net Interest Spread | 2.24% | — | — | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.04% | 1.40% | -1.36% | 47th below |
| NPA / Total Assets | 0.01% | — | — | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.11% | -0.11% | 47th below |
| ACL / Total Loans | 0.44% | — | — | 0th bottom |
| ACL / NPLs (Coverage) | 1233.33% | — | — | — |
| Texas Ratio | 0.13% | 8.94% | -8.81% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.57% | 14.21% | +0.36% | 62nd above |
| Equity / Assets | 9.39% | 13.16% | -3.77% | 12th bottom |
| TCE / Tangible Assets | 9.39% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.68% | 69.13% | -29.45% | 88th top |
| Core Deposit Ratio | 76.52% | 88.78% | -12.26% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.57% | — | — | 97th top |
| Loan Growth (Y/Y) | 5.39% | — | — | 69th above |
| Deposit Growth (Y/Y) | 16.61% | — | — | 100th top |
See Mason City National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mason City National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mason City National Bank profile, how to read a UBPR, or how this data updates.