Mason City National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q3 2026, Yield on loans edged up by 0.15 percentage points, from 5.77% to 5.92%, the largest move among the key lines here. Mason City National Bank has the 32nd lowest net interest margin of the 323 banks headquartered in Illinois, at 2.89% as of Q3 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Mason City National Bank sits 1.00 points lower, at 2.89% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.41% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 2.89% |
| Yield to cost spread | 2.24% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $498K |
| Total interest expense | $357K |
| Interest expense on deposits | $357K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q4 2023 | 3.66% | 1.33% | 2.50% |
| Q1 2024 | 3.79% | 1.40% | 2.56% |
| Q2 2024 | 3.87% | 1.43% | 2.62% |
| Q3 2024 | 3.89% | 1.44% | 2.64% |
| Q4 2024 | 3.91% | 1.41% | 2.69% |
| Q1 2025 | 3.84% | 1.27% | 2.75% |
| Q2 2025 | 3.98% | 1.26% | 2.89% |
| Q3 2025 | 4.08% | 1.29% | 2.96% |
| Q4 2025 | 4.17% | 1.33% | 3.03% |
| Q1 2026 | 4.15% | 1.45% | 2.90% |
| Q2 2026 | 4.34% | 1.63% | 2.91% |
| Q3 2026 | 4.41% | 1.72% | 2.89% |
Mason City National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mason City National Bank, freeSource: Call Report Schedules RI and RC-K, 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)