BlastPoint's Banking Scorecard

Mason City National Bank

under $100M Specialty: Agricultural IL FDIC cert 16198

Designations: ✓ Community bank

Mason City, IL

541 banks in the under $100M peer group nationally 61 in IL

Mason City National Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.73% above tier average
+ Efficiency Ratio 36.67% below tier average
+ Delinquency Rate 1.32% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.94% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$88.5M +14.0% YoY +1.9% QoQ	+$26.3M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 15.0% in tier
Total Loans ?	$31.7M -2.1% YoY -1.6% QoQ	-$2.5M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$77.4M +14.7% YoY +2.6% QoQ	+$25.7M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 13.7% in tier
Return on Assets ?	1.57% +21.5% YoY +12.4% QoQ	+0.73%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	2.92% +3.2% YoY -0.4% QoQ	-0.94%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.0% in tier
Efficiency Ratio ?	51.67% -9.7% YoY -4.3% QoQ	-36.67%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 11.3% in tier
Delinquency Rate ?	0.06% -69.8% YoY -64.8% QoQ	-1.32%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	40.97% -14.7% YoY -4.1% QoQ	-23.24%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	22.19% -19.7% YoY -7.0% QoQ	-1.53%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.05% -31.0% YoY -9.4% QoQ	-0.73%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	15.02% -7.1% YoY -1.9% QoQ	-11.66%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.14% +19.8% YoY -59.0% QoQ	-0.52%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 51.67%

Peer Median: 88.34%

#62 of 541 Top 11.3% in under $100M

Total Deposits

size

Value: $77.42M

Peer Median: $51.74M

#75 of 541 Top 13.7% in under $100M

Total Assets

size

Value: $88.49M

Peer Median: $62.16M

#82 of 541 Top 15.0% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#93 of 541 Top 17.0% in under $100M

106

Loan-to-Deposit Ratio

liquidity

Value: 40.97%

Peer Median: 64.22%

#106 of 541 Top 19.4% in under $100M

112

Return on Assets

profitability

Value: 1.57%

Peer Median: 0.84%

#112 of 541 Top 20.5% in under $100M

Top Weaknesses (1 metrics)

466

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.86%

#466 of 541 Bottom 14.0% in under $100M