North American Savings Bank, FSB
Grandview, MO · Cert 29708 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 26 of 258).
- Widest gap: net interest margin trails 87% of banks $1B-$10B in assets operating in a single state (rank 225 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.25%
Rank 124 of 258
Net Interest Margin
2.84%
Rank 225 of 258
Efficiency Ratio
46.24%
Rank 33 of 257
Equity / Assets
13.73%
Rank 26 of 258
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.93% | 1.23% | 1.54% | Beats 52% | 124 / 258 | | |
| Return on Equity | 9.13% | 9.26% | 11.84% | 14.74% | Beats 24% | 197 / 258 | | |
| Net Interest Margin | 2.84% | 3.16% | 3.49% | 3.88% | Beats 13% | 225 / 258 | | |
| Efficiency Ratio | 46.24% | 51.71% | 60.30% | 69.65% | Beats 88% | 33 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.19% | 0.46% | 0.90% | Beats 26% | 193 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 55% | 116 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 17.49% | 11.41% | 12.98% | 15.12% | Beats 87% | 33 / 258 | | |
| Total Risk-Based Capital Ratio | 18.74% | 12.10% | 13.91% | 16.08% | Beats 88% | 30 / 258 | | |
| Equity / Assets | 13.73% | 9.09% | 10.24% | 11.72% | Beats 90% | 26 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 117.78% | 73.24% | 86.34% | 95.95% | 96th pctl | 10 / 258 | | |
| Loans / Assets | 68.31% | 63.01% | 72.27% | 78.40% | 35th pctl | 168 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |