North American Savings Bank, F.S.B.
Grandview, Missouri, Jackson County
$3.2B in total assets, the 413th largest of 4,309 US banks and 14th of 195 headquartered in Missouri.
- FDIC certificate
- 29708
- Established
- 1923
- Owned by
- Nasb Financial Inc
- Primary regulator
- OCC
- Website
- www.nasb.com
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.2B | 76% | $1.8B | |
| Loans | $2.2B | 72% | $1.2B | |
| Deposits | $1.9B | 59% | $1.4B | |
| Return on assets | 1.20% | 41% | 1.32% | |
| Net interest margin | 2.98% | 2% | 3.87% | |
| Efficiency ratio | 46.1% | 7% | 56.8% | |
| Equity to assets | 13.73% | 90% | 10.96% | |
| Loans to deposits | 118% | 98% | 93% |
Growth
Total assets grew 6.8% a year over the last 5 years and 6.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2016 | B&L Bank Lexington, MO | $122M |
| Dec 2002 | Community Bank - Excelsior Springs, A Savings Bank Excelsior Springs, MO | $109M |
| Jun 1994 | Franklin Federal Savings Association Ottawa, KS | $1.1B |
| Jun 1980 | Higginsville Savings and Loan Association Higginsville, MO | n/a |
Where they operate
10 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jackson County, MO | $909M | 1.7% | 7 of 43 |
| Clay County, MO | $334M | 5.7% | 7 of 26 |
| Buchanan County, MO | $235M | 9.6% | 4 of 14 |
| Platte County, MO | $147M | 6.1% | 7 of 18 |
| Cass County, MO | $126M | 6.2% | 6 of 19 |
| Lafayette County, MO | $105M | 11.0% | 2 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (9 to 10, +11.1%). 0 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2016 | Acquired B&L Bank | 2 | 0 | +2 | 11 |
| 2021 | Closed Odessa | 0 | 1 | −1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 76% | 18% | |
| Construction and land | 21% | 10% | |
| Commercial real estate | 4% | 31% | |
| Multifamily | 1% | 7% | |
| Consumer | 0% | 4% | |
| Farmland | 0% | 6% | |
| Business (C&I) | 0% | 18% | |
| Agricultural | 0% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 48% | |
| Time deposits | 46% | 33% | |
| Noninterest-bearing | 7% | 19% |
Brokered deposits are 1.1% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.90% | 0.63% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.34% | 1.26% |
| Leverage ratio | 14.21% | 10.76% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Jackson County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/north-american-f-s-b