TellerScore

Mason Bank (FDIC certificate #3327) is based in Mason, Texas. Its Q2 2026 call report shows $147.5M in total assets and $122.3M in deposits and 1 office.

Mason Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 194th. Capital cushion contributes the most (100/100, 19.86%); loan quality contributes the least (18/100, 2.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 19.86%
Loan quality18/100
Noncurrent loans ÷ total loans: 2.45%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 55.9% · 19.9% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (68 → 73), mostly because the loan quality component improved by 18 points.

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202478
Q4 202470
Q1 202575
Q2 202568
Q3 202569
Q4 202569
Q1 202668
Q2 202673
Tier 1 leverage ratio
5.00%12.82%20.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.48%
Q3 202419.54%
Q4 202419.34%
Q1 202520.30%
Q2 202520.53%
Q3 202520.64%
Q4 202520.05%
Q1 202619.63%
Q2 202619.86%
Noncurrent loans
1.85%2.80%3.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.55%
Q3 20241.85%
Q4 20242.70%
Q1 20252.26%
Q2 20253.41%
Q3 20253.75%
Q4 20252.88%
Q1 20263.57%
Q2 20262.45%
Return on assets
1.33%1.44%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.37%
Q4 20241.33%
Q1 20251.47%
Q2 20251.44%
Q3 20251.49%
Q4 20251.48%
Q1 20261.55%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$147.5M19.86%2.45%1.54%55.9%
Q1 202668$151.3M19.63%3.57%1.55%52.9%
Q4 202569$144.0M20.05%2.88%1.48%55.9%
Q3 202569$141.7M20.64%3.75%1.49%54.9%
Q2 202568$137.5M20.53%3.41%1.44%56.0%
Q1 202575$137.6M20.30%2.26%1.47%57.0%
Q4 202470$139.5M19.34%2.70%1.33%54.4%
Q3 202478$141.5M19.54%1.85%1.37%56.7%
Q2 202472$141.0M19.48%2.55%1.38%55.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.86%
96th
Total risk-based capital0.00%
24th
Problem loans2.45%
9th
Net charge-offs0.14%
16th
Return on assets1.54%
67th
Net interest margin4.30%
71st
Efficiency ratio55.3%
71st
Loans to deposits55.9%
87th
Uninsured deposits19.9%
65th
Loan-loss reserves1.77%
89th
Texas ratio8.2%
22nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
Johnson City BankBank Johnson City, TX82 out of 100, Strong$146.8M12.6%0.26%vs
Carmine State BankBank Carmine, TX71 out of 100, Strong$148.8M10.0%0.50%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs
Agility Bank, National AssociationBank Houston, TX62 out of 100, Moderate$151.6M20.0%1.18%vs

Deposit insurance

Is my money safe at Mason Bank?

Yes. Mason Bank is an FDIC-insured institution (FDIC certificate #3327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.9% of deposits ($24.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 19.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Mason Bank lists 1 office in 1 city. Most locations:

  • Mason, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Mason Bank
Former names
The Mason National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
3327
RSSD ID
368054
Primary regulator
FED
Holding company
Mason Bk Emp Stk Ownership Plan&tr
Established
January 15, 1904
Headquarters
111 Westmoreland Street, Mason, TX 76856
Employees
19

Quick answers

Mason Bank: common questions

Is Mason Bank FDIC insured?

Yes. Mason Bank is an FDIC-insured institution (FDIC certificate #3327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mason Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mason Bank ever failed?

There is no failure record for FDIC certificate #3327 in the FDIC failed bank list.

How many branches does Mason Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mason

InstitutionScoreAssetsCapitalProblem loansCompare
The Commercial BankBank Mason, TX79 out of 100, Strong$114.6M9.9%0.00%vs
The Huntington National BankBank Columbus, OH59 out of 100, Moderate$283.1B9.3%1.06%vs