North American Savings Bank, FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 5.29 percentage points in Q2 2026, from 90.05% to 95.33%. It was the largest change from Q1 2026 among the key lines here. Among 192 Missouri banks, North American Savings Bank, FSB sits 2nd from the top on loan-to-deposit ratio, 117.78% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. North American Savings Bank, FSB sits 29.58 points higher, at 117.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.18B |
| Net loans and leases | $2.16B |
| Loans held for sale | $5.0M |
| Loans to total assets | 68.31% |
| Loan-to-deposit ratio | 117.78% |
| Net loans to equity capital | 4.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.17% |
| Multifamily (5+ residential) | 0.59% |
| Commercial and industrial | 0.00% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.61% |
| Construction concentration (Tier 1 capital + allowance) | 95.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.40% |
| Interest income on loans | $34.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.10B | $1.83B | 5.55% | 0.21% | 0.02% |
| Q4 2023 | $2.13B | $1.72B | 5.36% | 0.19% | 0.02% |
| Q1 2024 | $2.14B | $1.82B | 4.11% | 0.17% | 0.03% |
| Q2 2024 | $2.14B | $1.73B | 3.96% | 0.16% | 0.03% |
| Q3 2024 | $2.14B | $1.76B | 3.44% | 0.11% | 0.02% |
| Q4 2024 | $2.16B | $1.82B | 3.18% | 0.09% | 0.01% |
| Q1 2025 | $2.13B | $1.94B | 2.97% | 0.08% | 0.01% |
| Q2 2025 | $2.15B | $1.86B | 2.89% | 0.06% | 0.01% |
| Q3 2025 | $2.16B | $1.85B | 3.67% | 0.05% | 0.01% |
| Q4 2025 | $2.18B | $1.90B | 4.87% | 0.03% | 0.01% |
| Q1 2026 | $2.18B | $1.90B | 4.57% | 0.01% | 0.01% |
| Q2 2026 | $2.18B | $1.86B | 4.17% | 0.00% | 0.01% |
North American Savings Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North American Savings Bank, FSB, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North American Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29708) · FFIEC NIC profile (RSSD 211271)