Mason Bank
Mason, TX · Cert 3327 · Peer group: banks under $1B in assets in TX (n=208-211) · Mason Bk Emp STK Ownership PLAN&TR
State charter, Fed member · FED · 1 branch
Q2 2026
$147.5MAssets
$69.6MLoans
$122.3MDeposits
$23.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks under $1B in assets in TX (rank 25 of 211).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in TX (rank 189 of 208).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.21%
Rank 104 of 211
Net Interest Margin
4.08%
Rank 79 of 211
Efficiency Ratio
55.30%
Rank 64 of 211
Equity / Assets
15.82%
Rank 25 of 211
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 70% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.87% | 1.20% | 1.65% | Beats 51% | 104 / 211 | |
| Return on Equity | 7.63% | 7.52% | 11.67% | 14.58% | Beats 27% | 155 / 211 | |
| Net Interest Margin | 4.08% | 3.28% | 3.82% | 4.31% | Beats 63% | 79 / 211 | |
| Efficiency Ratio | 55.30% | 53.01% | 64.18% | 73.65% | Beats 70% | 64 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.45% | 0.01% | 0.30% | 1.10% | Beats 10% | 189 / 208 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.06% | Beats 22% | 164 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 19.86% | 11.72% | 14.45% | 19.57% | Beats 75% | 52 / 211 | |
| Total Risk-Based Capital Ratio | 19.86% | 11.94% | 14.78% | 20.30% | Beats 74% | 55 / 211 | |
| Equity / Assets | 15.82% | 9.41% | 11.06% | 12.94% | Beats 88% | 25 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 56.90% | 45.39% | 66.56% | 82.03% | 34th pctl | 137 / 208 | |
| Loans / Assets | 47.17% | 39.13% | 56.90% | 70.46% | 31st pctl | 145 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |