← Back to Institutions
North American Savings Bank, F.S.B.
Grandview, MO·FDIC Cert #29708·Charter: OCC·Est. 19230101.0·HC: NASB FINANCIAL INC
Total Assets
$3.0B
Q4 2025
Return on Assets
0.99%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.40%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%+0.05
ROE
7.07%+0.30
Efficiency
56.40%-1.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.93%+0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
113.43%-1.29
Charge-offs
0.00%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.0 | 1.0 | 0.8 | 0.9 | 0.9 | 1.0 |
| ROE | 8.0 | 7.5 | 7.1 | 7.3 | 5.8 | 6.3 | 6.8 | 7.1 |
| Efficiency | 55.6 | 57.0 | 59.1 | 57.7 | 61.2 | 59.4 | 57.8 | 56.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.8 | 1.0 | 0.9 | 0.9 | 0.8 | 0.9 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 116.2 | 121.7 | 120.0 | 117.1 | 108.4 | 113.6 | 114.7 | 113.4 |
Balance Sheet
Total Assets$3.0B
Total Deposits$1.9B
Total Loans$2.2B
Total Equity$425.6M
Profitability
ROA0.99%
ROE7.07%
Efficiency Ratio56.40%
Net Income$29.2M
Risk & Asset Quality
NPL Ratio0.93%
Charge-off Rate0.00%
Loan/Deposit113.43%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans