Mason City National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 176.19 percentage points higher than in Q2 2026, at 1233.33%. Within Illinois, Mason City National Bank is 106th of 323 on return on assets, 1.45% as of Q3 2026, above the middle of the field. Mason City National Bank reported 1.45% on return on assets for Q3 2026, 0.47 points above the 0.98% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.57% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.39% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.13% |
| Allowance for credit losses to loans | 0.44% |
| Reserve coverage of non-performing loans | 1233.33% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 14.16% |
| Net interest margin | 2.89% |
| Efficiency ratio | 48.41% |
| Yield on earning assets | 4.41% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 39.68% |
| Core deposits to total deposits | 76.52% |
| Brokered deposits to total deposits | 18.78% |
| Deposits to assets | 90.25% |
| Securities to assets | 55.13% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 16.03% | 1.20% | 2.50% | 0.04% | -0.01% |
| Q1 2024 | 15.82% | 1.12% | 2.56% | 0.21% | -0.01% |
| Q2 2024 | 16.39% | 1.27% | 2.62% | 0.58% | 0.00% |
| Q3 2024 | 16.04% | 1.14% | 2.64% | 0.20% | 0.00% |
| Q4 2024 | 15.72% | 1.07% | 2.69% | 0.20% | 0.00% |
| Q1 2025 | 16.17% | 1.22% | 2.75% | 0.19% | 0.00% |
| Q2 2025 | 16.81% | 1.32% | 2.89% | 0.18% | 0.00% |
| Q3 2025 | 16.32% | 1.41% | 2.96% | 0.17% | 0.00% |
| Q4 2025 | 15.32% | 1.41% | 3.03% | 0.16% | 0.00% |
| Q1 2026 | 15.02% | 1.51% | 2.90% | 0.06% | 0.00% |
| Q2 2026 | 15.34% | 1.55% | 2.91% | 0.04% | 0.00% |
| Q3 2026 | 14.57% | 1.45% | 2.89% | 0.04% | 0.00% |
Mason City National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mason City National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)