# MASON CITY NATIONAL BANK
MASON CITY, IL · FDIC certificate 16198 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $91.4M | |
| Deposits | $80.1M | |
| Loans and leases | $33.6M | |
| Total equity | $11.0M | |
| Loans / deposits | 41.81% (p13 of band) | 73.59% |
| Liquid assets / assets | 60.76% (p88 of band) | |
| Uninsured deposits / deposits | 9.41% (p12 of band) | 19.81% |
| Brokered deposits | 17.46% | |
| Wholesale funding | 17.46% (p93 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.34% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | -25.32% (p18 of band) | -6.57% |
| AOCI / equity | -5.16% (p1 of band) | |
| ROA (annualized) | 1.56% (p71 of band) | 1.17% |
| Net interest margin | 2.93% (p10 of band) | 3.93% |
| Efficiency ratio | 50.34% (p14 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1057.14% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $785,000 (2.33% of loans; DQ 1.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 3 | capital falling, NIM <2.5% |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | NIM <2.5% |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | deposits shrinking |  |
| 2015-06 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 3 | assets shrinking | uninsured deposits leaving |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking |
| 2016-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 |  | deposits shrinking |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | deposits shrinking |  |
| 2019-06 | 1 |  | deposits shrinking |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 2 | deposits shrinking |  |
| 2020-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2020-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2021-06 | 1 |  | NIM <2.5% |
| 2021-09 | 1 | reserve under noncurrent | capital falling |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, NIM <2.5%, reserve under noncurrent |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling, NIM <2.5%, reserve under noncurrent |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | reserve under noncurrent | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 3 | capital falling, securities losses >30% of equity, deposits shrinking | reserve under noncurrent |
| 2025-03 | 4 | assets shrinking, uninsured deposits leaving | capital falling |
| 2025-06 | 3 |  | assets shrinking |
| 2025-09 | 0 |  | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2025-12 | 2 | brokered >10%, capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 | wholesale funding >15% | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-25 [Jillian R. Kelsey Obituary - Visitation & Funeral Information - hurleyfh.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5xc0cza1JiSGdjbEhKclNGWld0eG5MWTlOYmlaeXdaNHhxU2dmSzNnRTRUdEFwSnJiZ0M5dUdNREUybG5fMzhBSVhRQ2tGdTR1NVY0NHpPcEE0YU9VNmJ3YzQxZw?oc=5) · hurleyfh.com
- 2023-01-22 [Allen Entwistle: Land, cattle and the Illinois State Fair - Farm Progress](https://news.google.com/rss/articles/CBMimAFBVV95cUxOLTBpWE9DelhDLWhuUVB5UVM2c1J5aFI3SnV4WWpJU2VJYmdCb1lZYTFBNlZGdnlxalVqeUZNRG15Qm5QSlUzQUxaR3FpdlFvV0dPYnUzNkp6WXMyZmVCeEVzX3UyWFR3cUNvVFZXQ0t0M1ZYMkhEMnRnOXBhV0NoNjRzMTVCTDJaOE1RbFpFUG9aakxTbTdKRw?oc=5) · Farm Progress
- 2025-12-09 [Lauralee "Babe" Zimmerman Obituary (2025) - Sherman, IL - Hurley Funeral Home-Havana - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNRlFtVTFGOThjQkZsVzNiNVVDUkhfMWlzeGhhY0xOWUxKbUZHdDc0X3lLWlpaSWszQ3lRd0JScGNXMUd2RUVUUlVrZ253ZW5xNEhiTDl3bVFmN0FJS2luWS1TeC1jSEt4ZUZHOEoweFlZeFpnN2N1TTU4SktNV0xHUVctRHN3LWJ6?oc=5) · Legacy obituary
- 2025-01-11 [Courtney Thomas - View Obituary & Service Information - hurleyfh.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBhcnNUVkg2RERQcTBnOEdOZkxsdHRnMWhoR1NMZUkta01GNlkwN3dUX0NUajlwbDVyQXRHcGFBSEpvaEx4TmhGcF81NG1seVE2b3hIcGludE96dk5PT01LeDF5N1o?oc=5) · hurleyfh.com
- 2010-10-27 [Courtney Thomas Obituary (2010) - Mason City, IL - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNeG5mZGktU0lfOEVvemN4SkNNb2JadWlUZUF3bHdiZVFIaDNhVlVYTDZBLVNHcUNMR1JhbS1FbVc0MzR3a3ZrS3BfT2tUMzRTd0hicnpoQkFFNEVOZ2RwNF9VREJaYTV5UUZJRmJNUXpxM19KYjBjMkxvUTJiM3hMUHoycGNiQjMxQk9Z?oc=5) · Legacy obituary
- 2016-08-30 [Beverly S. Nunn - View Obituary & Service Information - hurleyfh.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE40Zm1OazdvcnN0QnY2QUk5eWoxRHZvSHMyd05wT2ZLeUNuSDJwYnBVRTV6cWdadkVvZnFmbkNoVXFac09adG1qS3FEV1NNUm9uSDhqTTdYNEYwcmVBVDEzRQ?oc=5) · hurleyfh.com
- 2010-11-14 [Larry Aldrich Obituary (2010) - Mason City, IL - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPeXZtOHBjOHVhbzlBSW00YWdUakVtbzV1Y2ExQlVuZnRMcDk4blN6TWpXVDFHcjRSUEhTMFBPdlZDSzN5QjNDU1hRTFk2NWdRT3BQQ2REMEpINS1nYzI0R25UUjdlRWpFak1hOW1rNDd0eGd2OS1QMXJSN3I4emg0d2ktaGlDTkRi?oc=5) · Legacy obituary
- 2019-10-29 [Darcy Anne Swaar - View Obituary & Service Information - hurleyfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1MVFYtdHM5WDhMWm1BVXdIbnh6N1UxVFhIQTBYNU5mOE9BWHp1T2txQ3ZPSzRKdk9GNEdWSno5ZEpmZ2NlVHVJOGhqYWhSQjBDTV8yRnNvSkRwSUJkZzJF?oc=5) · hurleyfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16198 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "16198", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide