NSB Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.3.
Asset Mix:
Comm re (23%), securities (19%), comm loans (12%), home mtgs (7%), consumer loans (1%), cash (1%), home eq lns (1%), other (35%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Northwood Financial Services Corporation
Investment Rating
--
Address
2650 Fourth Street, SW
Mason City, IA 50401
Mason City, IA 50401
Phone Number
(641) 423-7638
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.