NSB Bank
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Data as of · sourced from FFIEC call reports. How we update
NSB Bank is an FDIC-insured commercial bank headquartered in Mason City, IA, established in 1933 (FDIC certificate 8094), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $460.8M, down 2.1% from Q2 2025, the 72nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.94% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8094
- Headquarters
- Mason City, IA
- Established
- 1933
- Total assets, Q2 2026
- $460.8M
- Assets vs Q2 2025
- -2.1%
- CET1 ratio, Q2 2026
- 10.94%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 073921530
- Holding company
- NORTHWOOD FINANCIAL SERVICES CORPORATION
- Asset rank in state
- 72nd of 225 in Iowa
NSB Bank operates with a thinner capital cushion than most banks of its size. The Mason City, Iowa bank had $461 million in assets at June 30, 2026, down 2.1% from a year earlier. It holds common equity equal to 10.94% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.32% of loans from 0.64%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.7 million equal 15% of Tier 1 capital, down from 22% a year earlier.
As of June 30, 2026, NSB Bank reported a CET1 capital ratio of 10.94%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 6.09%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, NSB Bank is the 72nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.8% to $460.8M, loans fell 1.7% and deposits fell 3.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 26.4% of total loans, followed by farmland and other real estate loans at 19.2%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in IA; its Northwood office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, NSB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2650 4th St Sw, Mason City, IA 50401
- County
- Cerro Gordo
- Metro Area
- Mason City, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Former names
- Northwoods State Bank (1991-2013)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $400.6M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $503K
- Average total assets
- $464.4M
- Average total loans
- $333.9M
- Average interest-bearing deposits
- $331.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8094
- Fed RSSD
- 253646
- Website
- www.nsbbank.com →
- Parent Holding Company
- NORTHWOOD FINANCIAL SERVICES CORPORATION (RSSD 1204841)
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
Over the 12 quarters to Q2 2026, NSB Bank's total assets ran between $425.2M (Q3 2023) and $479.0M (Q1 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
$460.8M total assets against $470.5M; $421.9M total liabilities against $434.9M.
$329.9M net loans and leases against $334.1M; $400.6M total deposits against $405.3M.
$83.9M securities against $98.0M; $23.0M cash and balances due against $15.4M.
$5.7M total interest income against $5.6M; $2.3M total interest expense against $2.6M.
$3.4M net interest income against $3.0M.
$554K total noninterest income against $424K; $2.2M total noninterest expense against $2.0M.
$503K provision for credit losses against $75K.
$1.2M net income against $1.2M.
1.04% return on assets against 1.09%; 3.12% net interest margin against 2.69%.
10.94% CET1 capital ratio against 10.71%; 8.49% tier 1 leverage ratio against 8.38%.
Inside the full NSB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNSB Bank rankings
Its closest position to the top of a national ranking is 1,104 of 3,640, for Texas Ratio; its furthest is 1,973 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.83% (Q1 2026) to 1.46% (Q3 2025) and its net interest margin ran from 2.47% (Q3 2024) to 3.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.94% | 1.04% | 0.32% | 6.09% | 3.12% |
| Q1 2026 | 10.70% | 0.83% | 0.67% | 6.35% | 3.04% |
| Q4 2025 | 10.66% | 1.10% | 0.43% | 4.09% | 3.04% |
| Q3 2025 | 11.04% | 1.46% | 0.69% | 6.39% | 3.00% |
| Q2 2025 | 10.71% | 1.09% | 0.64% | 6.47% | 2.69% |
| Q1 2025 | 10.89% | 1.33% | 0.56% | 5.69% | 2.76% |
| Q4 2024 | 10.65% | 1.02% | 0.08% | 0.84% | 2.48% |
| Q3 2024 | 10.22% | 1.05% | 0.09% | 0.63% | 2.47% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Northwood Branch | Northwood , IA | 50459 | $131.6M |
| NSB Bank (main office) | Mason City , IA | 50401 | $82.9M |
| Forest City Branch | Forest City , IA | 50436 | $75.8M |
| Titonka Branch | Titonka , IA | 50480 | $62.4M |
| Thompson Branch | Thompson , IA | 50478 | $25.7M |
| Regency Branch | Mason City , IA | 50401 | $22.3M |
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 12, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 2021 | Structure Change | Acquired Titonka Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 1991 | Structure Change | Acquired American Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 69 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $381K approved, $190K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 NSB Bank
What are NSB Bank's total assets?
As of the Q2 2026 filing, NSB Bank reported total assets of $460.8 million in its FFIEC call report.
Where is NSB Bank headquartered?
It is headquartered in Mason City, IA, United States.
When was NSB Bank founded?
It was established in 1933, per the FDIC institution directory.
Is NSB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NSB Bank?
NSB Bank's primary federal regulator is the FDIC.
What is NSB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.94% in its Q2 2026 call report, above regulatory requirements.
How many branches does NSB Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NSB Bank's Texas Ratio?
Its Texas Ratio is 6.09% 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 NSB Bank previously called?
The charter now named NSB Bank has also operated as Northwoods State Bank (1991-2013), per FDIC structure-change records.
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