North American Savings Bank

logo for North American Savings Bank

12498 S Us Highway 71
Grandview, MO 64030
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ACH 301071631

Notable Rates APY Vs.Others
Savings 5.30% 5.55% →
1-Year CD 5.35% 5.38% →
2-Year CD 4.40% 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage 6.53% 4.91% →
15-Year Mortgage 5.80% 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

North American Savings Bank is an FDIC insured institution located in Grandview, MO. It was founded in 1923 and has approximately $2.75 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 29708
Date Established 1923
Assets $ 2.75 billion
Loans $ 2.10 billion
Deposits $ 1,721.91 million
Capital $ 409.01 million

For a more detailed analysis of North American Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 12, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
5.30% $10,000 - Learn More
7-Month Special
5.25% $5,000 - Learn More
7 Month
5.25% $5,000 - Learn More
13 Month Special
5.35% $5,000 - Learn More
13-Month CD
5.35% $5,000 - Learn More
24 Month
4.40% $5,000 - Learn More

Loan Rates - July 12, 2024

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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North American Savings Bank Locations

Climate Policy and Initiatives

North American Savings Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

North American Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of North American Savings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
North American Savings Bank U.S. Bank Average
5.71% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, North American Savings Bank had $17,596,000 in non-current loans and $7,488,000 in owned real estate. To cover these potential losses it had $409,007,000 in equity and $30,129,000 in loans loss reserves. That gives it a Texas Ratio of 5.71%.

Return on Equity
North American Savings Bank U.S. Bank Average
6.59% 12.20%

North American Savings Bank has a Return on Equity of 6.59% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

North American Savings Bank U.S. Bank Average
14.87% 10.76%

North American Savings Bank has a Capitalization of 14.87% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

North American Savings Bank Balance Sheet Analysis

As of December 31, 2023, North American Savings Bank had assets of $2,750,302,000, loans of $2,102,275,000, and deposits of $1,721,910,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 266.38 million
Interest-bearing balances $ 259.12 million
Total securities $ 283.99 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.10 billion
Loan loss allowance $ 30.13 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.49 million
Goodwill and other intangibles $ 28.75 million
All other assets $ 61.57 million
     Total Assets $ 2.34 billion
Total deposits $ 1,721.91 million
      Interest-bearing deposits $ 1,599.83 million
      Deposits held in domestic offices $ 1,721.91 million
      % insured (estimated) 92.44%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 668.42 million
Subordinated debt N.A.
All other liabilities $ 27.56 million
      Total Liabilities $ 2.34 billion
      Shareholders’ Equity $ 409.01 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 147.98 million
Total Interest Expense $ 65.28 million
Net interest income $ 82.70 million
Provision for loan and lease losses N.A.
Total non interest income $ 7.60 million
Total non interest expense $ 53.83 million
Pre-tax Net Operating Income $ 23.99 million

Bank Loan Profile?

The top three loan types in North American Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Missouri, North American Savings Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 80.25
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.97
Construction and Development Loans 10.30
Commercial Real Estate 5.35
Commercial and Industrial Loans 0.26
Farm Loans 0.00

Customer Reviews for North American Savings Bank

  • February 15, 2024 |

    Savings Rates

    I have always had great experiences with short-term CDs from this bank. No delays.

  • February 10, 2023 |

    Savings Rates

    Just received an email saying their rate is now 4.39% APY. NASB has been raising their rates ahead of all other online banks I have.

  • January 9, 2023

    Online CDs 12 Month Rates

    I apply for CD but got turned down due to inaccurate information. I called them and they said to use a different email address. The application did not work at all. It is not easy to open an application at that bank Comparing other banks is much smoother.

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*Should any logos, images or public notes appear on this page,they do so courtesy of North American Savings Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.