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
Unfavorable gap of $35.6M · efficiency ratio beats 88% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.93% | 1.23% | 1.54% | Beats 51% | 131 / 269 | |
| Return on Equity | 9.13% | 9.13% | 11.77% | 14.52% | Beats 25% | 202 / 269 | |
| Net Interest Margin | 2.84% | 3.16% | 3.50% | 3.88% | Beats 14% | 232 / 269 | |
| Efficiency Ratio | 46.24% | 51.70% | 60.21% | 69.66% | Beats 88% | 32 / 268 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.19% | 0.45% | 0.89% | Beats 25% | 203 / 269 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 54% | 124 / 269 | |
| Capital |
| Tier 1 Capital Ratio | 17.49% | 11.29% | 13.10% | 15.21% | Beats 86% | 38 / 269 | |
| Total Risk-Based Capital Ratio | 18.74% | 12.04% | 13.91% | 16.33% | Beats 87% | 34 / 269 | |
| Equity / Assets | 13.73% | 9.18% | 10.29% | 11.76% | Beats 90% | 28 / 269 | |
| Liquidity & Funding |
| Loans / Deposits | 117.78% | 72.68% | 86.29% | 95.72% | 96th pctl | 10 / 269 | |
| Loans / Assets | 68.31% | 62.46% | 72.27% | 78.37% | 35th pctl | 175 / 269 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |