# MASON BANK
MASON, TX · FDIC certificate 3327 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $147.5M | |
| Deposits | $122.3M | |
| Loans and leases | $69.6M | |
| Total equity | $23.3M | |
| Loans / deposits | 55.89% (p25 of band) | 73.59% |
| Liquid assets / assets | 51.83% (p80 of band) | |
| Uninsured deposits / deposits | 19.95% (p51 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.02% (p54 of band) | |
| FHLB advances / assets | 1.02% | |
| Tier 1 leverage | 19.86% (p89 of band) | 11.76% |
| Unrealized securities loss / equity | -25.75% (p17 of band) | -6.57% |
| AOCI / equity | -2.89% (p6 of band) | |
| ROA (annualized) | 1.54% (p69 of band) | 1.17% |
| Net interest margin | 4.30% (p68 of band) | 3.93% |
| Efficiency ratio | 55.30% (p23 of band) | |
| Noncurrent loans | 2.45% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p83 of band) | |
| Reserve coverage of noncurrent | 72.14% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 21.62% (p55 of band) | |
| Auto loans | $2.7M (3.95% of loans; DQ 9.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2020-02-29 [Business Seen - Amarillo Globe-News](https://news.google.com/rss/articles/CBMifEFVX3lxTE5oVDFkZFZwY21KZ0Z0TFBMZ2thMlNnSGd6VDZpeXpCU0tEcG9TZlVFNEM3NnowRlFDaTI3dVk4Y0ZDdUdKaDRVZ2Iybko1OU52NWNwWVY4alVPWExiQmp3M2VRR2h6Qm1PV2hER2xBUFZzcnhGUXR3Ml9MeC0?oc=5) · Amarillo Globe-News
- 2019-12-20 [Paris Community Banker Elected to Independent Bankers Assn. of Texas Board of Directors - MyParisTexas](https://news.google.com/rss/articles/CBMisgFBVV95cUxOaWRrWjM2b2pIY0k3VHBPWWdocXFpRG5FczVmR0tMRFQ2LVFOdEkyQ0xIVGJXdTlMWEVrS1N3NFhaM2UxdFNNSElvaEdGQ0JrY2JmX0k3R2w4Vy0tVFFFc1VwS0hzT1R6QzRLUGRWcXJ2dTBObVQ1eWZNNmZqNndNMlR4dGlXbVJkbHR1TzlhSi1saUxOd19FT0txbktBZUloMEJqZDhNQXRNQkJFWFBUSUtn?oc=5) · MyParisTexas
- 2022-01-25 [Courthouse Proceedings - Texas Co-op Power](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1FbzRnR2NhR19RNGhlSjFpM3pkZFpVd2JnNHFhX2Q3UmhMYzBCSEo2Z1Zod201Q19PRnZEMGQ0c1g4VF9HTWg2aTFlb0NtOFMzU2V0MGdWTGNjTlJlVHMw?oc=5) · Texas Co-op Power
- 2023-11-29 [Concho Valley Live: Mason County WinterFisch returns to the Llano River - conchovalleyhomepage.com](https://news.google.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?oc=5) · conchovalleyhomepage.com
- 2021-02-06 [Discussions Underway To Rebuild Historic Mason County Courthouse Gutted By Fire - Texas Public Radio | TPR](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWUVhYnlzdHpBSFQzOGQxQ3F4VF9ydTdSRVJFbzB3dnVrZVZwS29fMnhuRHNHUlo0ak1rWjNaZi1SLVdRTE9MMGlXV2N3OXRjdEdWOGdURlo3dktWV2phM3hja1RIeFN1Y0UyWktGc0NPQldJRmZmcnlwZkpmSFVSbzJxaldTNjhLNG9JSFk0bDJ4Qms?oc=5) · Texas Public Radio | TPR
- 2020-05-29 [Margaret Lankford Obituary - Virginia Beach, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMijwFBVV95cUxObmZPLUJudzVST3lzUFBaak1rZzIyMGJwMG1YZHVtRkhDenhZYWxtaEJOWWI4Qm50WHVQUXR1X25jbjVaLVZtMU0zbGRBSzdHUThDUWtudnpUZXlocjMzY2d1cUZySnl2OG1UNUJsQ3lxLWZwakF2aVhXQzVvTEhmQ0RhbzB4SjVSVHZGR2ZNRQ?oc=5) · Dignity Memorial
- 2011-04-12 [Donal Markey Collection Brings 2 Million At Bertoia Auctions - Antiques And The Arts Weekly](https://news.google.com/rss/articles/CBMilwFBVV95cUxQT29ya3I5MEJadUFyN1M5NXNreHp0c2xMTlcweE96dnB0QmgxMzRGdUNCa1Z3VDc4YkJkRlZYdm1FUEJ6NjhMemlzRTJkYzZFR0VIR1ZwSzZrRHFpaG9GYjdxMi1iX1p1bDRaQXNlZkZFeEhqVW4yXzJlNVRSbGpmN19yMHpvelRSQlN6eW1SUndERndzMmIw?oc=5) · Antiques And The Arts Weekly
- 2017-10-10 [James Nicholson Obituary (2017) - Mason, TX - Mason Funeral Home - Mason - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZHNxbnhHNi1nSnhJV0FpMFVjTzQtakN6dmRCOXpadVh0dzlQZHdPUG5ZcGM1a3NPVGtWdURmZHM3eTYtUHozdUxBT0Myc3c1YzBKWUowU1AzNjZua1RUZnBrNGNvd3hJUDFoU1NuYjFGQkUyV1dlbzl5RTFUc0Rva3hKRXU0MUk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3327 (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/63.json (key "3327", 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.

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