NSB Bank: 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: 209.75 percentage points higher than in Q1 2026, at 353.65%. NSB Bank ranks 178th of 225 Iowa banks on return on assets, in the lower half at 1.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. NSB Bank sits 0.21 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.94% |
| Tier 1 risk-based capital ratio | 10.94% |
| Total risk-based capital ratio | 12.00% |
| Tier 1 leverage ratio | 8.49% |
| Equity capital to assets | 8.44% |
| Tangible equity to tangible assets | 7.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.09% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 353.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 12.62% |
| Net interest margin | 3.12% |
| Efficiency ratio | 54.74% |
| Yield on earning assets | 5.16% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.30% |
| Core deposits to total deposits | 96.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.94% |
| Securities to assets | 18.20% |
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 | 12.16% | 12.16% | 13.27% | 9.20% | 1.46% |
| Q4 2023 | 11.29% | 11.29% | 12.34% | 9.00% | 0.72% |
| Q1 2024 | 11.42% | 11.42% | 12.49% | 9.08% | 1.16% |
| Q2 2024 | 10.98% | 10.98% | 12.01% | 8.86% | 0.95% |
| Q3 2024 | 10.22% | 10.22% | 11.19% | 8.42% | 1.05% |
| Q4 2024 | 10.65% | 10.65% | 11.66% | 8.12% | 1.02% |
| Q1 2025 | 10.89% | 10.89% | 11.91% | 8.56% | 1.33% |
| Q2 2025 | 10.71% | 10.71% | 11.72% | 8.38% | 1.09% |
| Q3 2025 | 11.04% | 11.04% | 12.04% | 8.54% | 1.46% |
| Q4 2025 | 10.66% | 10.66% | 11.49% | 8.28% | 1.10% |
| Q1 2026 | 10.70% | 10.70% | 11.60% | 8.46% | 0.83% |
| Q2 2026 | 10.94% | 10.94% | 12.00% | 8.49% | 1.04% |
NSB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock NSB Bank, 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 NSB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8094) · FFIEC NIC profile (RSSD 253646)