Mason City National Bank: how it compares with its peers
Against 91 IL banks with half to twice its assets, Mason City National Bank's strongest measure in Q2 2026 is efficiency ratio (50.34% vs. a 66.49% peer median). Its weakest relative measure is net interest margin (2.93% vs. 3.74%).
| Measure | Mason City National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 1.08% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.93% | 3.74% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.34% | 66.49% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $6.1M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 41.81% | 67.53% | Context |
What it means for lending operations
Its efficiency ratio of 50.34% is better than the 66.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Old Exchange National Bank of Okawville Okawville, IL · $91M
- Bank of Yates City Yates City, IL · $89M
- Williamsville State Bank & Trust Williamsville, IL · $94M
- Bank of Stronghurst Stronghurst, IL · $88M
- Farmers and Merchants State Bank of Bushnell Bushnell, IL · $86M
- Mutual Federal Bank Chicago, IL · $97M
Questions about Mason City National Bank
How big is Mason City National Bank?
Mason City National Bank, established in 1944, is headquartered in Mason City, IL. It reported $91M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Mason City National Bank's return on assets?
1.56% annualized in Q2 2026, against a 1.08% median for 91 IL banks with half to twice its assets, ahead of 85% of them.
What is Mason City National Bank's efficiency ratio?
50.34% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 66.49%, and lower is better.
Is Mason City National Bank growing its loans?
Net loans grew 3.7% over the year to Q2 2026, while deposits grew 23.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.