NSB BANK

MASON CITY, IA | Small | Est. Jan. 1, 1933, midnight | FDIC #8094 | RSSD #253646 | FDIC
Latest Report: 2025-12-31

NSB BANK is asn small FDIC-insured commercial bank headquartered in MASON CITY, IA, established in Jan. 1, 1933, midnight. As of 2025-12-31, the bank reported total assets of $469M and total deposits of $400M. Profitability stands at 1.10% ROA and 13.50% ROE, with a net interest margin of 3.12%. The bank's CET1 capital ratio is 10.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 3.55%. FDIC Certificate #8094.

Assets

$469M

Deposits

$400M

Loans

$345M

Equity

$39M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 13.50%
Net Interest Margin (NIM) 3.12%
Yield on Assets 5.32%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.23%
Texas Ratio 3.55%
NPA Ratio 0.31%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 10.66%
Tier 1 Capital 10.66%
Total Capital Ratio 11.49%
Leverage Ratio 8.28%
Loan-to-Deposit 86.10%

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