North American Savings Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
North American Savings Bank, FSB is an FDIC-insured savings institution headquartered in Grandview, MO, established in 1923 (FDIC certificate 29708), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.20B, up 8.9% from Q2 2025, the 14th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 17.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29708
- Headquarters
- Grandview, MO
- Established
- 1923
- Total assets, Q2 2026
- $3.20B
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 17.49%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 301071631
- Latest call report
- Q2 2026, FFIEC 041 · North American Savings Bank, FSB call report
- Holding company
- NASB FINANCIAL, INC.
- Asset rank in state
- 14th of 191 in Missouri
North American Savings Bank, FSB pays more for its money than most banks of its size. Based in Grandview, Missouri, it had $3.2 billion in assets at June 30, 2026, up 8.9% from a year earlier. It pays an average of 3.29% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it funds 14.21% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $11 million, 53% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, North American Savings Bank, FSB reported a CET1 capital ratio of 17.49%, a return on assets of 1.34%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 4.15%. The figures come from its call report filed with the FFIEC.
North American Savings Bank, FSB ranks as the 14th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $3.20B, loans rose 0.2% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 76.5% of total loans, ahead of construction and land development loans at 20.8%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in MO; its Grandview office books 31% of its branch deposits. On its Q2 2026 call report, North American Savings Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12498 S Us Highway 71, Grandview, MO 64030
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1923
- Former names
- North American Savings Bank (1990-1992)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 222
- Domestic deposits
- $1.86B
- Allowance for credit losses
- $29.3M
- Net charge-offs (YTD)
- $291K
- Average total assets
- $3.15B
- Average total loans
- $2.18B
- Average interest-bearing deposits
- $1.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29708
- Fed RSSD
- 211271
- SEC CIK
- 1059131 → filed by NASB FINANCIAL, INC.
- Website
- www.nasb.com →
- Parent Holding Company
- NASB FINANCIAL, INC. (RSSD 3841941)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, North American Savings Bank, FSB's total assets ranged from $2.75B (Q4 2023) to $3.20B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.20B total assets against $2.94B; $2.76B total liabilities against $2.53B.
$2.16B net loans and leases against $2.12B; $1.86B total deposits against $1.86B.
$624.9M securities against $627.5M; $89.4M cash and balances due against $98.6M.
$44.8M total interest income against $42.8M; $22.1M total interest expense against $22.6M.
$22.8M net interest income against $20.1M.
$2.7M total noninterest income against $2.5M; $11.2M total noninterest expense against $13.1M.
$250K provision for credit losses against $369K.
$10.6M net income against $6.9M.
1.34% return on assets against 0.93%; 2.91% net interest margin against 2.72%.
17.49% CET1 capital ratio against 19.59%; 14.21% tier 1 leverage ratio against 14.15%.
Inside the full North American Savings Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
North American Savings Bank, FSB rankings
Its closest position to the top of a national ranking is 393 of 4,196, for total assets; its furthest is 931 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q1 2025) to 1.34% (Q2 2026) and its net interest margin ran from 2.67% (Q1 2025) to 2.93% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.49% | 1.34% | 0.90% | 4.15% | 2.91% |
| Q1 2026 | 17.59% | 1.23% | 0.79% | 4.15% | 2.87% |
| Q4 2025 | 19.26% | 1.13% | 0.92% | 4.79% | 2.88% |
| Q3 2025 | 20.62% | 1.10% | 0.79% | 3.79% | 2.93% |
| Q2 2025 | 19.59% | 0.93% | 0.87% | 3.70% | 2.72% |
| Q1 2025 | 20.36% | 0.78% | 0.84% | 3.87% | 2.67% |
| Q4 2024 | 20.45% | 1.10% | 0.99% | 5.33% | 2.76% |
| Q3 2024 | 22.03% | 0.84% | 0.82% | 4.81% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North American Savings Bank, F.S.B. | Grandview , MO | 64030 | $584.3M |
| 920 Belt Highway Branch | St. Joseph , MO | 64501 | $234.7M |
| 291 Highway Branch | Lee'S Summit , MO | 64086 | $209.0M |
| North Oak Trafficway Branch | Gladstone , MO | 64119 | $183.9M |
| Community Bank - Excelsior Springs Branch | Excelsior Springs , MO | 64024 | $150.6M |
| 2002 East Mechanic St Branch | Harrisonville , MO | 64701 | $125.7M |
| 11400 East 23rd Branch | Independence , MO | 64052 | $115.3M |
| Lexington Branch | Lexington , MO | 64067 | $104.7M |
| 7012 NW Barry Road Branch | Kansas City , MO | 64153 | $81.3M |
| Platte City Branch | Platte City , MO | 64079 | $65.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 13, 2016 | Structure Change | Acquired B&L Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 2002 | Structure Change | Acquired Community Bank - Excelsior Springs, A Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 11, 1994 | Structure Change | Acquired Franklin Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 30, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 27, 1980 | Structure Change | Acquired Higginsville Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- February 1, 2013, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): North American SB, FSB
- May 22, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): North American Savings Bank, FSB
- April 30, 2010, OCC: Formal Agreement: North American Savings Bank, FSB
- April 30, 2010, OCC (former OTS): Supervisory Agreement: North American Savings Bank, FSB
- July 24, 1992, OCC (former OTS): Civil Money Penalty: North American Savings Bank
- Period: Most recent institution action February 1, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in MO, rank 25 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,004 applications, 644 loans originated, $268.8M originated, across 50 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $34K approved, $34K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about North American Savings Bank, FSB
What are North American Savings Bank, FSB's total assets?
As of the Q2 2026 filing, North American Savings Bank, FSB reported total assets of $3.20 billion in its FFIEC call report.
Where is North American Savings Bank, FSB headquartered?
It is headquartered in Grandview, MO, United States.
When was North American Savings Bank, FSB founded?
It was established in 1923, per the FDIC institution directory.
Is North American Savings Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North American Savings Bank, FSB?
North American Savings Bank, FSB's primary federal regulator is the OCC.
What is North American Savings Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does North American Savings Bank, FSB operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North American Savings Bank, FSB's Texas Ratio?
Its Texas Ratio is 4.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was North American Savings Bank, FSB previously called?
The charter now named North American Savings Bank, FSB has also operated as North American Savings Bank (1990-1992), per FDIC structure-change records.
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