Headquartered in Mason City, Illinois, Mason City National Bank is a national bank with $91.4M in total assets and $80.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1944.
Mason City National Bank has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 5th. Capital cushion contributes the most (100/100, 15.34%); earnings contributes the least (82/100, 1.56%).
TellerScore · Q2 2026
Scorecard
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 3 points (93 → 96), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 85 |
| Q4 2024 | 91 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 93 |
| Q4 2025 | 94 |
| Q1 2026 | 96 |
| Q2 2026 | 96 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.39% |
| Q3 2024 | 16.04% |
| Q4 2024 | 15.72% |
| Q1 2025 | 16.17% |
| Q2 2025 | 16.81% |
| Q3 2025 | 16.32% |
| Q4 2025 | 15.32% |
| Q1 2026 | 15.02% |
| Q2 2026 | 15.34% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $91.4M | 15.34% | 0.04% | 1.56% | 41.8% |
| Q1 2026 | 96 | $88.5M | 15.02% | 0.06% | 1.57% | 41.0% |
| Q4 2025 | 94 | $86.8M | 15.32% | 0.16% | 1.39% | 42.7% |
| Q3 2025 | 93 | $84.4M | 16.32% | 0.17% | 1.37% | 43.7% |
| Q2 2025 | 93 | $75.1M | 16.81% | 0.18% | 1.34% | 49.8% |
| Q1 2025 | 93 | $77.6M | 16.17% | 0.19% | 1.29% | 48.0% |
| Q4 2024 | 91 | $78.3M | 15.72% | 0.20% | 1.18% | 47.3% |
| Q3 2024 | 85 | $81.0M | 16.04% | 0.88% | 1.20% | 46.8% |
| Q2 2024 | 88 | $78.8M | 16.39% | 0.58% | 1.21% | 46.4% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |
| Bank of Yates CityBank Yates City, IL | 42 out of 100, Below average | $89.1M | 9.7% | 4.27% | vs |
| Williamsville State Bank & TrustBank Williamsville, IL | 73 out of 100, Strong | $93.8M | 14.5% | 1.04% | vs |
| Bank of StronghurstBank Stronghurst, IL | 70 out of 100, Strong | $87.6M | 14.2% | 1.69% | vs |
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Mutual Federal BankBank Chicago, IL | 71 out of 100, Strong | $96.5M | 16.3% | 1.09% | vs |
Deposit insurance
Is my money safe at Mason City National Bank?
Yes. Mason City National Bank is an FDIC-insured institution (FDIC certificate #16198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.4% of deposits ($7.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.34%, 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%).
1 location
Branches
Mason City National Bank lists 1 office in 1 city. Most locations:
- Mason City, IL (1)
Identity & history
Profile
- Legal name
- Mason City National Bank
- Type
- National bank
- FDIC certificate #
- 16198
- RSSD ID
- 108746
- Primary regulator
- OCC
- Holding company
- Mason City Bcorp Inc
- Established
- October 9, 1944
- Headquarters
- 104 W Pine St, Mason City, IL 62664
- Employees
- 12
Quick answers
Mason City National Bank: common questions
Is Mason City National Bank FDIC insured?
Yes. Mason City National Bank is an FDIC-insured institution (FDIC certificate #16198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mason City National Bank's TellerScore?
96 out of 100 (Very 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 City National Bank ever failed?
There is no failure record for FDIC certificate #16198 in the FDIC failed bank list.
How many branches does Mason City National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mason City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State Bank of EmdenBank Emden, IL | 91 out of 100, Very strong | $37.8M | 29.6% | 0.00% | vs |
| Community Bank of EastonBank Easton, IL | 85 out of 100, Very strong | $43.0M | 16.3% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Petefish, Skiles & Co.Bank Virginia, IL | 75 out of 100, Strong | $501.6M | 9.1% | 0.14% | vs |
| Hartsburg State BankBank Hartsburg, IL | 73 out of 100, Strong | $18.1M | 11.5% | 0.20% | vs |
| Williamsville State Bank & TrustBank Williamsville, IL | 73 out of 100, Strong | $93.8M | 14.5% | 1.04% | vs |