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North American Savings Bank, FSB

Grandview, MO · Cert 29708 · Nasb Financial Inc.

State savings bank · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North American Savings Bank, FSB

Grandview, MO · Cert 29708 · Nasb Financial Inc.

State savings bank · OCC · 10 branches

Q2 2026

$3.2BAssets
$2.2BLoans
$1.9BDeposits
$439.1MEquity
Loan mix
100%RE $2.2B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $1.7B7%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.73%Q2 ’245.71%Q2 ’255.60%Q2 ’26-5%+6%

Non-interest income vs. expense

1.81%Q2 ’241.72%Q2 ’251.47%Q2 ’26+3%-25%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 1.6% share · #11 of 114 inst. · $1.6B of $99.1B

1.7% Jackson
5.7% Clay
9.6% Buchanan
6.1% Platte

Executive Summary

  • Earnings: ROA of 1.29%, up 43 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.90% of loans (+3 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 14.21%, up 6 bps from a year ago.
  • Funding: loans stand at 117.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+43 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+17 bps YoY

Efficiency Ratio (YTD, annualized)

46.12%-1,326 bps YoY

Tier 1 Leverage Ratio

14.21%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.94%0.99%1.24%1.29%+43 bps
Return on Equity6.27%6.77%7.07%8.83%9.28%+301 bps
Net Interest Margin2.67%2.78%2.78%2.85%2.84%+17 bps
Efficiency Ratio59.38%57.78%56.40%48.58%46.12%-1,326 bps
Non-Interest Burden1.50%1.49%1.45%1.21%1.13%-37 bps
Growth
Asset Growth (YoY)5.45%2.56%1.62%4.03%8.86%+340 bps
Loan Growth (YoY)0.52%0.70%0.77%2.11%1.77%+126 bps
Deposit Growth (YoY)7.69%5.34%4.04%-2.34%-0.41%-810 bps
Asset Quality
Nonperforming Loans / Loans0.87%0.79%0.92%0.79%0.90%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.03%+3 bps
Allowance / Loans1.40%1.37%1.36%1.36%1.34%-6 bps
Allowance Coverage of NPLs1.6x1.7x1.5x1.7x1.5x-0.1x
Capital
Tier 1 Leverage Ratio14.15%14.51%14.60%14.28%14.21%+6 bps
Total Risk-Based Capital20.85%21.87%20.51%18.84%18.74%-211 bps
Equity / Assets14.03%14.32%14.35%13.67%13.73%-30 bps
Liquidity & Funding
Loans / Deposits115.25%116.33%115.00%115.01%117.78%+253 bps
Liquid Assets / Assets3.06%6.34%2.52%1.79%2.62%-45 bps
CRE / Total Capitaln/a110.05%119.98%122.58%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North American Savings Bank, FSB

Grandview, MO · Cert 29708 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Nasb Financial Inc.

State savings bank · OCC · 10 branches

Q2 2026

$3.2BAssets
$2.2BLoans
$1.9BDeposits
$439.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 28 of 269).
  • Widest gap: net interest margin trails 86% of banks $1B-$10B in assets operating in a single state (rank 232 of 269).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.25%

Rank 131 of 269

Net Interest Margin

2.84%

Rank 232 of 269

Efficiency Ratio

46.24%

Rank 32 of 268

Equity / Assets

13.73%

Rank 28 of 269

Non-interest income vs. expense

$10.8M$46.3MINCOMEEXPENSE
Unfavorable gap of $35.6M · efficiency ratio beats 88% of banks $1B-$10B in assets operating in a single state
Bank 46.24%Peer median 60.2%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.93%1.23%1.54%Beats 51%131 / 269
Return on Equity9.13%9.13%11.77%14.52%Beats 25%202 / 269
Net Interest Margin2.84%3.16%3.50%3.88%Beats 14%232 / 269
Efficiency Ratio46.24%51.70%60.21%69.66%Beats 88%32 / 268
Asset Quality
Nonperforming Loans / Loans0.90%0.19%0.45%0.89%Beats 25%203 / 269
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 54%124 / 269
Capital
Tier 1 Capital Ratio17.49%11.29%13.10%15.21%Beats 86%38 / 269
Total Risk-Based Capital Ratio18.74%12.04%13.91%16.33%Beats 87%34 / 269
Equity / Assets13.73%9.18%10.29%11.76%Beats 90%28 / 269
Liquidity & Funding
Loans / Deposits117.78%72.68%86.29%95.72%96th pctl10 / 269
Loans / Assets68.31%62.46%72.27%78.37%35th pctl175 / 269
Brokered Deposits / Depositsn/aNot reported for this institution