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NSB Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 8094

Mason City, IA

6 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits -1.1% year over year ($400.6M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 0.92%.
  • Efficiency ratio 54.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

NSB Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 10.32% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 9.1% in tier
  • - Capital Thin: Bottom 15.7% in tier
  • - Net Interest Margin 0.91% below tier average
Get updates when NSB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $460.8M
-2.1% YoY -3.8% QoQ
+$74.2M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $329.9M
-1.2% YoY -1.9% QoQ
+$71.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $400.6M
-1.1% YoY -3.5% QoQ
+$73.9M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 0.92%
-21.1% YoY +14.5% QoQ
-0.40% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 3.08%
+12.6% YoY +2.5% QoQ
-0.91% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 11.9% in tier
Efficiency Ratio ? 54.16%
-6.1% YoY +3.6% QoQ
-10.32% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.32%
-50.1% YoY -52.1% QoQ
-0.59% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 82.36%
-0.1% YoY +1.6% QoQ
+4.40% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 18.95%
+3.7% YoY +6.2% QoQ
-3.08% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.49%
+6.1% YoY +3.7% QoQ
-0.18% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 10.94%
+2.1% YoY +2.3% QoQ
-4.97% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.21%
+22.3% YoY +144.4% QoQ
-0.36% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 19.0%
+0.7pp YoY
+1.1pp QoQ
 -3.2pp 22.1% 17.8% 22.2% 40%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 18.3%
-2.0pp YoY
+1.5pp QoQ
 +6.8pp 11.6% 12.8% 12.5% 85%
CRE n/a n/a 39.5% 28.3% 41.4% n/a
1-4 Family 10.2%
-0.4pp YoY
-0.3pp QoQ
 -22.4pp 32.6% 23.0% 31.3% 11%
Consumer 1.5%
-0.5pp YoY
-0.3pp QoQ
 -2.6pp 4.1% 2.9% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 10.9%
+0.2pp YoY
+0.2pp QoQ
 -7.9pp 18.8% 15.4% 19.7% 7%
Leverage Ratio 8.5%
+0.1pp YoY
0.0pp QoQ
 -3.7pp 12.2% 12.4% 12.6% 6%
Total Capital Ratio 12.0%
+0.3pp YoY
+0.4pp QoQ
 -7.9pp 19.9% 16.5% 20.8% 7%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 49
+1 (+2.1%) YoY
0 QoQ
 -10 58 64 482 52%
Assets per Employee ($) $9.4M
-4.1% YoY
-3.8% QoQ
 +$1.9M $7.5M $8.9M $8.8M 82%
Branch Count 6
0 YoY
0 QoQ
 +1 4 5 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
-0.3pp YoY
-0.4pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 40%
Allowance Coverage 3.54x
+113.5% YoY
+145.8% QoQ
 -20.62x 24.15x 18.97x 20.23x 62%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
-0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.3%
-4.7pp YoY
+1.3pp QoQ
 -0.9pp 12.2% 12.8% 11.6% 45%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 75%
Net Income ($, YTD) $2.2M
-20.8% YoY
— QoQ
 -$388K $2.6M $4.0M $40.4M 56%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#29 of 307 • Bottom 9.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.92%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Capital Thin

risk
#105 of 661 • Bottom 15.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.94%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2329
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.99%
#2329 of 2643 Bottom 11.9% in $100M-$1B
2054
Tier 1 Capital Ratio
capital
Value: 10.94%
Peer Median: 15.91%
#2054 of 2643 Bottom 22.3% in $100M-$1B
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