North American Savings Bank, F.S.B.
North American Savings Bank, F.S.B. reported total assets of $3.2 bn at Q2 2026, up 8.9% on a year earlier, the 395th largest of 497 banks in our US coverage. The CET1 capital ratio at North American Savings Bank, F.S.B. was 17.49%, and the uninsured share of North American Savings Bank, F.S.B. was 10.75%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, North American Savings Bank, F.S.B. climbed from 285th to 92nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- North American Savings Bank, F.S.B. has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 116.20% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- The uninsured share of domestic deposits of North American Savings Bank, F.S.B., 10.75% at , places North American Savings Bank, F.S.B. in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
What sets North American Savings Bank, F.S.B. apart
- Few banks of $1 bn to $10 bn report a higher tier 1 leverage ratio than North American Savings Bank, F.S.B., at 14.21% in against a group median of 10.45%.
- Since , North American Savings Bank, F.S.B. has taken over one institution; the latest was B&L Bank on .
How large is North American Savings Bank, F.S.B.?
The balance sheet of North American Savings Bank, F.S.B. at : assets $3.2 bn, deposits $1.9 bn, net loans $2.2 bn (loans equal to 116.20% of deposits). Securities make up 19.5% of total assets at North American Savings Bank, F.S.B.. Since , when North American Savings Bank, F.S.B. held $1.7 bn, its assets grew 92.4%. In the year to , deposits at North American Savings Bank, F.S.B. fell 0.4% while its total assets rose 8.9%. At , North American Savings Bank, F.S.B. employed 222 full-time equivalent staff across 10 offices, about $14.4 mn of assets per employee and $185.5 mn of deposits per office.
How much funding at North American Savings Bank, F.S.B. is uninsured?
At North American Savings Bank, F.S.B., uninsured deposits (above the FDIC limit) made up 10.75% of domestic deposits at (+0.76 pp on a year earlier); North American Savings Bank, F.S.B. ranks 468th of 500 on this measure. In dollars, North American Savings Bank, F.S.B. estimated $199.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.9 bn | -0.4% | 495th of 499 |
| Net loans and leases | $2.2 bn | +1.8% | 417th of 500 |
| Loan-to-deposit ratio | 116.20% | +2.57 pp | 15th of 500 |
| Tier 1 leverage ratio | 14.21% | +0.06 pp | 35th of 500 |
| Total risk-based capital ratio | 18.74% | -2.11 pp | 55th of 448 |
| Net interest margin | 2.98% | +0.19 pp | 404th of 500 |
| Return on assets (ROA) | 1.29% | +0.43 pp | 257th of 500 |
| Efficiency ratio | 46.12% | -13.26 pp | 92nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $16.9 mn | Narrowed by $2.5 mn | |
| Noncurrent loans to total loans | 0.90% | +0.03 pp | 336th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | +0.03 pp | 151st of 500 (1 = lowest) |
US rank of North American Savings Bank, F.S.B.: 1 = highest unless marked 1 = lowest.
Balance sheet
North American Savings Bank, F.S.B.: assets, deposits and loans
- Total assets $3.2bn
- Deposits $1.9bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of North American Savings Bank, F.S.B. stood at 17.49% in , -2.10 pp year on year. Low and high at North American Savings Bank, F.S.B. since : 12.89% () to 25.38% (). Equity capital of North American Savings Bank, F.S.B. at : $439.1 mn, or 13.7% of total assets. North American Savings Bank, F.S.B. also reported a total capital ratio of 18.74% for , and a tier 1 leverage ratio of 14.21%.
The available-for-sale portfolio of North American Savings Bank, F.S.B. showed an unrealized loss of $16.9 mn at ; the loss narrowed by $2.5 mn over the year.
North American Savings Bank, F.S.B.: capital ratios
- Total capital 19%
- CET1 17%
- Tier 1 leverage 14%
North American Savings Bank, F.S.B.: unrealized securities gains and losses
- Available for sale -$17mn
- Held to maturity $0
Profitability and loan quality
For the year to , North American Savings Bank, F.S.B. earned a return on equity of 9.28%; return on assets: 1.29%. Net interest margin at North American Savings Bank, F.S.B.: 2.98%, +0.19 pp in a year. North American Savings Bank, F.S.B. net income: $20.0 mn, up 57.0% year on year. The efficiency ratio of North American Savings Bank, F.S.B. was 46.12%: about 46 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.90% of total loans at North American Savings Bank, F.S.B.; net charge-offs: 0.03% of average loans. Gross loans and leases at North American Savings Bank, F.S.B.: $2.2 bn, up 1.8% in a year.
North American Savings Bank, F.S.B.: profitability
- Return on equity 9.3%
- Net interest margin 3.0%
- Return on assets 1.3%
Peer group of North American Savings Bank, F.S.B.
The peer group of North American Savings Bank, F.S.B. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of North American Savings Bank, F.S.B. (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Missouri. Against them, North American Savings Bank, F.S.B. shows CET1 ratio 17.49% against a peer median of 15.85%, return on equity 9.28% against a peer median of 9.93% and uninsured deposit share 10.75% against a peer median of 39.42%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | Federal savings bank | MO | $3.2 bn | 17.49% | 9.28% | 10.75% | |
| First Citizens Community Bank | State member bank | PA | $3.2 bn | not reported | 12.32% | 46.35% | |
| Exchange Bank | State nonmember bank | CA | $3.2 bn | 18.98% | 8.44% | 25.88% | |
| Bank of Greene | Federal savings bank | NY | $3.2 bn | 15.85% | 15.59% | 14.68% | |
. FDIC Call Reports.
Last eight quarters
Two years at North American Savings Bank, F.S.B., to : assets +11.9%, deposits +5.4%, equity +9.5%. Staff 252 to 222.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $3.0 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.2 bn | $3.2 bn |
| Total deposits | $1.8 bn | $1.8 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.9 bn | $1.9 bn |
| Bank equity capital | $401.0 mn | $401.7 mn | $408.8 mn | $412.2 mn | $419.8 mn | $425.6 mn | $431.4 mn | $439.1 mn |
| CET1 ratio | 22.03% | 20.45% | 20.36% | 19.59% | 20.62% | 19.26% | 17.59% | 17.49% |
| Return on equity (ROE) | 7.08% | 7.31% | 5.76% | 6.27% | 6.77% | 7.07% | 8.83% | 9.28% |
| Uninsured share of domestic deposits | 9.05% | 8.71% | 8.71% | 9.99% | 9.62% | 10.09% | 10.14% | 10.75% |
| Full-time equivalent employees | 252 | 248 | 247 | 235 | 233 | 228 | 229 | 222 |
| Number of offices | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of North American Savings Bank, F.S.B., oldest first; figures before and after each event are not like for like.
- . Absorbed B&L Bank (FDIC certificate 30691).
Questions and identifiers
What were the total assets of North American Savings Bank, F.S.B.?
North American Savings Bank, F.S.B. reported $3.2 bn at in its Call Report. That makes North American Savings Bank, F.S.B. the 395th largest of 497 banks in our US coverage.
Is North American Savings Bank, F.S.B. the same as its holding company?
No. This page covers North American Savings Bank, F.S.B., FDIC certificate 29708; NASB FINANCIAL INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is North American Savings Bank, F.S.B. profitable?
North American Savings Bank, F.S.B. reported net income of $20.0 mn for the year to ; annualized return on equity: 9.28%. So yes: North American Savings Bank, F.S.B. made a profit over these months.
When is data for North American Savings Bank, F.S.B. next updated?
Figures from North American Savings Bank, F.S.B. for are due after .
Where can I check the figures for North American Savings Bank, F.S.B.?
In the FDIC BankFind Suite record for certificate 29708, and in the Call Reports of North American Savings Bank, F.S.B. (RSSD ID 211271) at the FFIEC Central Data Repository.