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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 $0.0BQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $1.7B7%Noninterest $0.1BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.03%0.78%0.86%0.94%0.99%1.24%1.29%+43 bps
Return on Equity7.08%7.31%5.76%6.27%6.77%7.07%8.83%9.28%+301 bps
Net Interest Margin2.74%2.76%2.64%2.67%2.78%2.78%2.85%2.84%+17 bps
Efficiency Ratio59.08%57.70%61.23%59.38%57.78%56.40%48.58%46.12%-1,326 bps
Non-Interest Burden1.50%1.45%1.57%1.50%1.49%1.45%1.21%1.13%-37 bps
Growth
Asset Growth (YoY)1.70%6.13%6.03%5.45%2.56%1.62%4.03%8.86%+340 bps
Loan Growth (YoY)2.01%1.46%-0.30%0.52%0.70%0.77%2.11%1.77%+126 bps
Deposit Growth (YoY)-3.60%5.83%6.81%7.69%5.34%4.04%-2.34%-0.41%-810 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.99%0.84%0.87%0.79%0.92%0.79%0.90%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.03%+3 bps
Allowance / Loans1.41%1.39%1.41%1.40%1.37%1.36%1.36%1.34%-6 bps
Allowance Coverage of NPLs1.7x1.4x1.7x1.6x1.7x1.5x1.7x1.5x-0.1x
Capital
Tier 1 Leverage Ratio13.87%14.24%13.93%14.15%14.51%14.60%14.28%14.21%+6 bps
Total Risk-Based Capital23.28%21.71%21.62%20.85%21.87%20.51%18.84%18.74%-211 bps
Equity / Assets14.02%13.76%13.48%14.03%14.32%14.35%13.67%13.73%-30 bps
Liquidity & Funding
Loans / Deposits121.68%118.73%110.00%115.25%116.33%115.00%115.01%117.78%+253 bps
Liquid Assets / Assets8.25%5.58%6.77%3.06%6.34%2.52%1.79%2.62%-45 bps
CRE / Total Capitaln/an/an/an/a110.05%119.98%122.58%n/an/a