| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.7% | +3.0% | +18.7 pts |
| Deposit growth (YoY) | +23.7% | +2.5% | +21.2 pts |
| Loan growth (YoY) | +3.7% | +2.6% | +1.1 pts |
| ROA | 1.56% | 0.99% | +0.6 pts |
| ROE | 12.6% | 8.1% | +4.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.4M | $80.1M | $33.5M | $11.0M | $692K | 1.56% | 2.93% | 0.05% |
| Q1 2026 | $88.5M | $77.4M | $31.7M | $10.8M | $343K | 1.57% | 2.92% | 0.05% |
| Q4 2025 | $86.8M | $75.5M | $32.2M | $11.2M | $1.1M | 1.39% | 2.94% | 0.06% |
| Q3 2025 | $84.4M | $72.9M | $31.8M | $11.4M | $812K | 1.37% | 2.91% | 0.06% |
| Q2 2025 | $75.1M | $64.7M | $32.3M | $10.2M | $515K | 1.34% | 2.90% | 0.08% |
| Q1 2025 | $77.6M | $67.5M | $32.4M | $10.0M | $251K | 1.29% | 2.83% | 0.08% |
| Q4 2024 | $78.3M | $68.8M | $32.6M | $9.3M | $958K | 1.18% | 2.70% | 0.08% |
| Q3 2024 | $81.0M | $70.0M | $32.8M | $10.8M | $735K | 1.20% | 2.68% | 0.36% |
Loan mix (Q2 2026): real estate $22.1M · commercial $846K · consumer $1.3M · securities $52.8M
| Ratio | Mason City National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.99% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 8.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 70.8% | 10th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mason City National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mason City National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mason City National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mason City National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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