NSB Bank
Mason City, IA · Cert 8094 · Peer group: banks under $1B in assets in IA (n=134-135) · Northwood Finl Services Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
$460.8MAssets
$333.7MLoans
$400.6MDeposits
$38.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 59% of banks under $1B in assets in IA (rank 56 of 135).
- Widest gap: equity / assets trails 92% of banks under $1B in assets in IA (rank 124 of 135).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.77%
Rank 112 of 135
Net Interest Margin
2.94%
Rank 103 of 135
Efficiency Ratio
54.16%
Rank 56 of 135
Equity / Assets
8.44%
Rank 124 of 135
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 59% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.92% | 1.19% | 1.47% | Beats 17% | 112 / 135 | |
| Return on Equity | 9.07% | 7.99% | 10.26% | 13.14% | Beats 36% | 86 / 135 | |
| Net Interest Margin | 2.94% | 2.95% | 3.41% | 3.73% | Beats 24% | 103 / 135 | |
| Efficiency Ratio | 54.16% | 50.61% | 57.35% | 63.29% | Beats 59% | 56 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.03% | 0.51% | 1.26% | Beats 57% | 58 / 134 | |
| Net Charge-Offs / Loans | 0.15% | n/a | 0.01% | 0.03% | Beats 8% | 124 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 10.94% | 11.23% | 13.31% | 15.45% | Beats 19% | 110 / 135 | |
| Total Risk-Based Capital Ratio | 12.00% | 11.61% | 14.06% | 16.47% | Beats 27% | 98 / 135 | |
| Equity / Assets | 8.44% | 9.87% | 11.05% | 13.07% | Beats 8% | 124 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 83.30% | 68.54% | 81.55% | 91.24% | 54th pctl | 62 / 134 | |
| Loans / Assets | 72.42% | 57.61% | 68.06% | 76.23% | 61st pctl | 53 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |