North American Savings Bank, FSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Grandview, North American Savings Bank, FSB serves the Missouri market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $3.2B in assets, including $2.2B in loans. Returns are notably above industry norms: 1.34% ROA, 9.73% ROE, and 2.91% NIM. Capital cushions are healthy: 17.49% CET1, 14.21% Tier 1 leverage. Credit metrics are in line with industry norms, 1.25% NPL ratio. It operates 10 branches, primarily in Missouri.
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 1.25%, a Texas ratio of 6.29%, per financial data filed with the FFIEC.
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)
- Offices
- 10 domestic
- Employees (FTE)
- 222
- Domestic deposits
- $1.86B
- Allowance for credit losses
- $29.3M
- Net charge-offs (YTD)
- $291K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full North American Savings Bank, FSB terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock North American Savings Bank, FSB, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.49% | 1.34% | 1.25% | 6.29% | 2.91% |
| Q1 2026 | 17.59% | 1.23% | 1.17% | 6.36% | 2.87% |
| Q4 2025 | 19.26% | 1.13% | 1.23% | 6.63% | 2.88% |
| Q3 2025 | 20.62% | 1.10% | 1.10% | 5.86% | 2.93% |
| Q2 2025 | 19.59% | 0.93% | 1.16% | 5.89% | 2.72% |
| Q1 2025 | 20.36% | 0.78% | 0.97% | 4.91% | 2.67% |
| Q4 2024 | 20.45% | 1.10% | 1.13% | 6.86% | 2.76% |
| Q3 2024 | 22.03% | 0.84% | 0.87% | 5.92% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for North American Savings Bank, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 253 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is North American Savings Bank, FSB headquartered?
North American Savings Bank, FSB is headquartered in Grandview, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was North American Savings Bank, FSB founded?
North American Savings Bank, FSB was established in 1923, per the FDIC institution directory.
Is North American Savings Bank, FSB FDIC-insured?
Yes. North American Savings Bank, FSB is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is North American Savings Bank, FSB's CET1 capital ratio?
North American Savings Bank, FSB 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?
North American Savings Bank, FSB 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?
North American Savings Bank, FSB's Texas Ratio is 6.29% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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