BlastPoint's Banking Scorecard
North American Savings Bank, F.S.B.
Community
Specialty: Mortgage
MO
FDIC cert 29708
Grandview, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
North American Savings Bank, F.S.B. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.37% above tier
- + Tier 1 Capital Ratio 9.02% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8% in Community
- - Non-Interest-Bearing Deposit Share 14.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+1.6% YoY
+1.1% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$2.2B
+0.8% YoY
+1.1% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$1.9B
+4.0% YoY
+2.3% QoQ
|
+$731.3M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.99%
-4.1% YoY
+5.0% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
2.89%
-1.5% YoY
+0.8% QoQ
|
-0.78% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
56.40%
-2.2% YoY
-2.4% QoQ
|
-6.23% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.93%
-7.1% YoY
+16.8% QoQ
|
+0.30% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
113.43%
-3.1% YoY
-1.1% QoQ
|
+30.37% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.50%
+2.7% YoY
-6.7% QoQ
|
-14.54% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.78%
-13.4% YoY
+18.7% QoQ
|
+0.28% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
19.26%
-5.8% YoY
-6.6% QoQ
|
+9.02% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.27%
-18.4% YoY
+35.6% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
113.43%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.26%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#23 of 268 · Bottom 8% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.26%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
113.43%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.50%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Loan-to-Deposit Ratio
Current: 113.43% · Tier avg: 83.06%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.26% · Tier avg: 10.24%
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
69
69th pctile
Efficiency Ratio
Current: 56.40% · Tier avg: 62.63%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
27
27th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
14
14th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.50% · Tier avg: 21.05%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.50% · Tier avg: 21.05%
14
14th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.66%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.63%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
69
69th pctile
Efficiency Ratio
Current: 56.40% · Tier avg: 62.63%
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
92
92th pctile
Tier 1 Capital Ratio
Current: 19.26% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 113.43% · Tier avg: 83.06%