BlastPoint's Banking Scorecard
Mason City National Bank
Micro
Specialty: Agricultural
IL
FDIC cert 16198
Designations: ✓ Community bank
Mason City, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Mason City National Bank shows strong momentum with 1 strength and 10.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.81% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.8M
+10.9% YoY
+2.9% QoQ
|
-$130.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$32.2M
-1.1% YoY
+1.2% QoQ
|
-$106.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$75.5M
+9.6% YoY
+3.6% QoQ
|
-$108.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.39%
+17.6% YoY
+1.4% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
2.94%
+8.6% YoY
+0.9% QoQ
|
-0.92% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
54.01%
-3.1% YoY
-0.7% QoQ
|
-13.72% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.16%
-20.4% YoY
-3.1% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
42.71%
-9.8% YoY
-2.3% QoQ
|
-31.81% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.87%
-13.7% YoY
+0.3% QoQ
|
+1.47% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.06%
-28.9% YoY
-4.6% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.35%
+36.4% YoY
+34.9% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
42.71%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 42.71% · Tier avg: 74.53%
83
83th pctile
Efficiency Ratio
Current: 54.01% · Tier avg: 67.73%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.87% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
20
20th pctile
Total Deposits
Current: $75.5M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $86.8M · Tier avg: $217.5M
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
12
12th pctile
Total Loans
Current: $32.2M · Tier avg: $139.2M
Top Weaknesses
12
12th pctile
Total Loans
Current: $32.2M · Tier avg: $139.2M
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
18
18th pctile
Total Assets
Current: $86.8M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $75.5M · Tier avg: $183.7M
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.87% · Tier avg: 22.39%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
83
83th pctile
Efficiency Ratio
Current: 54.01% · Tier avg: 67.73%
92
92th pctile
Loan-to-Deposit Ratio
Current: 42.71% · Tier avg: 74.53%