BlastPoint's Banking Scorecard
North American Savings Bank, F.S.B.
Designations: ✓ Community bank
Grandview, MO
10 branches across MO
North American Savings Bank, F.S.B. has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.48% below tier average
- + Delinquency Rate 0.09% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 16.7% in tier
- - Non-Interest-Bearing Deposit Share 14.82% below tier average
- - ROA 0.13% below tier average
- - Net Interest Margin 0.85% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+4.0% YoY
+6.4% QoQ
|
+$340.1M |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$2.2B
+2.2% YoY
-0.0% QoQ
|
+$185.6M |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$1.9B
-2.3% YoY
-0.0% QoQ
|
-$447.8M |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
1.24%
+57.4% YoY
+25.0% QoQ
|
-0.13% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
2.97%
+7.7% YoY
+2.7% QoQ
|
-0.85% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
15% |
| Efficiency Ratio ? |
48.58%
-20.7% YoY
-13.9% QoQ
|
-12.48% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.80%
-6.0% YoY
-13.7% QoQ
|
-0.09% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
113.45%
+4.6% YoY
+0.0% QoQ
|
+29.25% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.46%
+1.8% YoY
-0.6% QoQ
|
-14.82% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.0% in tier |
| Nonperforming Asset Ratio ? |
0.66%
+7.2% YoY
-15.1% QoQ
|
-0.01% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
17.59%
-13.6% YoY
-8.7% QoQ
|
+2.43% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Top 13.1% in tier |
| Non-Interest Income / Assets ? |
0.09%
+192.3% YoY
-68.6% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
25% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.