C
NSB Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings NSB Bank
Mason City, IA
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Rating C
Asset Quality Index 6.40
Capitalization Index 6.50
Liquidity Index 2.60
Profitability Index 5.30
Stability Index 5.40
Company Info NSB Bank
Mason City, IA
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FDIC Number 8094
Phone Number (641) 423-7638
Website www.nsbbank.com
Asset Quality NSB Bank
Mason City, IA
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1-Year Asset Growth -1.10%
5-Year Asset Growth 23.80%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.44%
Non-Performing Loans to Capital 5.46%
Non-Performing Loans to Loans 0.62%
Balance Sheet NSB Bank
Mason City, IA
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Total Assets 469.43M
Total Deposits 401.67M
Capital and Reserves NSB Bank
Mason City, IA
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Capital 38.02M
Leverage Ratio 8.54
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 12.04
Liquidity NSB Bank
Mason City, IA
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Hot Money Ratio 10.35%
Liquidity Ratio 11.56%
Profitability NSB Bank
Mason City, IA
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5-Year Return on Average Assets 1.66%
Net Income 4.41M
Net Interest Spread 2.81%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 55.40%
Return on Assets 1.29%
Return on Equity 16.71%