# NSB BANK
MASON CITY, IA · FDIC certificate 8094 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $460.8M | |
| Deposits | $400.6M | |
| Loans and leases | $333.7M | |
| Total equity | $38.9M | |
| Loans / deposits | 82.36% (p51 of band) | 82.04% |
| Liquid assets / assets | 23.20% (p44 of band) | |
| Uninsured deposits / deposits | 31.78% (p72 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.85% (p47 of band) | |
| FHLB advances / assets | 1.09% | |
| Tier 1 leverage | 8.49% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -14.77% (p32 of band) | -8.10% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 0.92% (p28 of band) | 1.28% |
| Net interest margin | 3.08% (p12 of band) | 3.91% |
| Efficiency ratio | 54.16% (p28 of band) | |
| Noncurrent loans | 0.32% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.21% (p92 of band) | |
| Reserve coverage of noncurrent | 353.65% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $550,000 (0.16% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | deposits shrinking, assets shrinking |  |
| 2024-06 | 1 |  | deposits shrinking, assets shrinking |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-05 [NSB Bank announces new hires - Globe Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxPSENCcHN5ck56UGhsM0ljd1VGc21CdzcyTXBmakJTUS1vZG1wd3I1YXpsZU80S3B6b3JJVHNfOHFldFlveUFXN2JISGNrWS13Wm5GRExlLXB3MG1vel9Gdzctc1htc0ZBMFFfbGljWk1yeTVtZG1xcElyMVpWUFhyQ3BXZ3RHbFBCNDZFRTFSZVZmejVnVktOVHF3?oc=5) · Globe Gazette
- 2026-03-19 [Mystery night: 'Clue' brings suspense to Mason City's NIACC - kimt.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOUm5reGNteHZMUEYwSGpJaExMcTRXQ2ZkQmZRcXdXZldVbUdDZVp5WlJoQUFtVG13WW8wX1lJeUxodGk2d3g4RzRxN3p1T1NTTExiaFpBa1NrcUN5NkpRc191bDhYOENOTDQzeko3YjdJcThESk0wNFdhQ0tUaElOQW9OMTlUTzl0Z1V0ckdwUU9OTjBaNjRySy1kcG5Jcl85RDlnVFBEcl9GbWFEZW0zRlJqTnZBYzBvZ1p4OXVVVzNLLW4wUWFiLVZ5WQ?oc=5) · kimt.com
- 2025-05-13 [Linda Danielson Obituary (1944 - 2025) - Mason City, IA - Globe Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTXM1OVprMEJ1eHNCVWlaOGM2SUwxcjZmMllsckhRQmwyMFBrQV9BaTREeFFOeGZGLV92U1BTd0pnb2gtT29qNEY5dXc0QkdycHlSUXN2d2FKOFhqRHN1SzBfVUhnZWZGcEpNQkR5ZTNVbUNHbV81QU5nVkhOZUJydVRJR2R6bkZuaFJ2d09ST050R0lSd1E?oc=5) · Legacy obituary
- 2026-08-28 [Scotland's top live act performs at NIACC this fall - kimt.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxPb29pb1hOSzZWQTFvdHdSeWhnSkdVVWxGc2tUajBhMFF6ZUFsbjQyWnM5TGhJeHZCUm5IaG52QUpPVDRSeDdTdXF6Wmc2ZFNDaEZfUFBxa0VYNlZPWDEwXzJlZll0TENraHJlb1l6dERxT1dlWnVHS2ptQ1pxcUFIa3NpR3ExenhLT1lXbTVyVzdtTERmUGpqdmgybXhNdDMyMWZwVHo4eDFvVFhUckxPeFlfQ2NUZnNidm5aamlUUXVZNU9p?oc=5) · kimt.com
- 2022-05-15 [Roger Bang Obituary (1949 - 2022) - Mason City, IA - Globe Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUWxKYm9USUczMU1iMzBaaEZlN2t1SW40NkVBZTF6d1NPNHZndEhuVERmUDlwbnVaUVlhMVhQZWZxQ1pTR0t3YVltcEVwcnJGMEZ6bVk2RUxLc0ZCZGN0dEFsZVc0bjJiU1V1N1owc19CWEJNTGYzZXJXbHN5bkVtNVBJX1RlSEt1bFBtZjdwSQ?oc=5) · Legacy obituary
- 2023-11-17 [North Iowa dance students to be part of Nutcracker performance at NIACC - kimt.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNZzF4SVUwX2o1bG5TNmQta3RFc1RCNUd3X2dKRElGeHNXLVNoYjQ3WnpjNmE0enFmSXVELVNEY3BmWnZ2TnlpSm9kRkZQbklHdURyMHJuZ3FaVDZoY0hHTjRtUWE3SWZTaGI3enBvQVFQQ19LTzVFNndzY3BrWVNudEotb2hFNE5odGdlcUljY0dxTkJyWEEtTDh3ZElTV2VEWWZTZGtXRTNWR2hvQk1XSnJGRERlQ1ZHZm5ieTI3dUU3d19rdE95TXBWdVFkNGxmd3NzNWZhMnZHb2hxcF9Ebg?oc=5) · kimt.com
- 2023-09-12 [From Broadway to River City, Music Man star Sutton Foster performs at NIACC - kimt.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPZ1E3R2V4YTVkcVJGZEdaWTU2NHpOV1VGRUxJbG53VnNVN0xpNGYxa1FlNTRTaWdyY0JkN1YxdnlKM2pGalZ2SU1ZVEM0NE1lQ2RJV2lmNUJWeVJMbVRYaDIyMUVTblA0a2w1Y0hVVThrMXZxZF9WWWhwUjlXTDlGU2FvX2FpSjVSQUg0ZjNDUXMxS1BNYnY4RTlJeHVtOXQ2MEJ5RXI1U0FTakloMXJabEZUcG5NbHRiVHU5TXJEbDRVdGVESnJ2T0lCVGNfYUI1SU1obEliSXFRQmp3VDE3Mm01aGg?oc=5) · kimt.com
- 2013-08-08 [Justina Smith Obituary (2013) - Northwood, IA - Globe Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPNzZNdnpEcGUza0NyWXVYOFZ0aXpEZ0xWMXlfR2dkNVVVZmZZRDdtSjNLdTZwLVUwUkVoRDJDU3h6U1FvZEJvY3lmcWQyeG9NazRrYlVWeUl2c3JwMnZ4SEVJYjMwOUJYN2FoUzhUelFDZ0hkYVNxWllDN1UxVnBtcEF4NEN6YXpLdjJEZU92T3ViV3c?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8094 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "8094", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide