North American Savings Bank, FSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.20 percentage points lower than in Q1 2026, at 107.68%. North American Savings Bank, FSB ranks 107th of 192 Missouri banks on return on assets, in the lower half at 1.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. North American Savings Bank, FSB sits 0.07 points higher, at 1.34% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.49% |
| Tier 1 risk-based capital ratio | 17.49% |
| Total risk-based capital ratio | 18.74% |
| Tier 1 leverage ratio | 14.21% |
| Equity capital to assets | 13.73% |
| Tangible equity to tangible assets | 13.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.29% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 107.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 9.73% |
| Net interest margin | 2.91% |
| Efficiency ratio | 43.75% |
| Yield on earning assets | 5.72% |
| Cost of funds | 3.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.78% |
| Core deposits to total deposits | 88.32% |
| Brokered deposits to total deposits | 1.06% |
| Deposits to assets | 57.99% |
| Securities to assets | 19.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.01% | 25.01% | 26.27% | 14.96% | 1.01% |
| Q4 2023 | 24.52% | 24.52% | 25.77% | 15.30% | 1.17% |
| Q1 2024 | 23.42% | 23.42% | 24.67% | 14.56% | 1.15% |
| Q2 2024 | 21.63% | 21.63% | 22.89% | 14.22% | 0.97% |
| Q3 2024 | 22.03% | 22.03% | 23.28% | 13.87% | 0.84% |
| Q4 2024 | 20.45% | 20.45% | 21.71% | 14.24% | 1.10% |
| Q1 2025 | 20.36% | 20.36% | 21.62% | 13.93% | 0.78% |
| Q2 2025 | 19.59% | 19.59% | 20.85% | 14.15% | 0.93% |
| Q3 2025 | 20.62% | 20.62% | 21.87% | 14.51% | 1.10% |
| Q4 2025 | 19.26% | 19.26% | 20.51% | 14.60% | 1.13% |
| Q1 2026 | 17.59% | 17.59% | 18.84% | 14.28% | 1.23% |
| Q2 2026 | 17.49% | 17.49% | 18.74% | 14.21% | 1.34% |
North American Savings Bank, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North American Savings Bank, FSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)