North American Savings Bank, F.S.B.

125th And South 71 Highway
Grandview, MO 64030

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29708
Date Established 1923
Assets $2.05 billion
Loans $1.84 billion
Deposits $1.56 billion
Capital $0.24 billion

North American Savings Bank, F.S.B. is an FDIC insured institution located in Grandview, MO. It was founded in 1923 and has approximately $2.05 billion in assets. Customers can open an account at one of its 11 branches.

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

Bank Loan Profile?

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

Compared to other banks in Missouri, North American Savings Bank, F.S.B. 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 79.87
Multifamily
Mortgages
2.62
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.70
Construction and Development Loans 9.84
Commercial Real Estate 11.08
Commercial and Industrial Loans 0.85
Farm Loans 0.03

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 - Learn MoreShow Less
Special: 6 Mo CD
2.02% $5,000 $9,999 Learn MoreShow Less
Special: 6 Mo CD
2.07% $10,000 $1,000,000 Learn MoreShow Less
6 Mo CD
0.30% $10,000 - Learn MoreShow Less
Special: 7 Mo CD
1.87% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
2.74% $5,000 - Learn MoreShow Less
12 Mo CD
0.35% $10,000 - Learn MoreShow Less
Special: 15 Mo CD
2.28% $1,000 - Learn MoreShow Less
18 Mo CD
0.35% $10,000 - Learn MoreShow Less
Special: 24 Mo CD
2.94% $1,000 - Learn MoreShow Less
24 Mo CD
0.85% $10,000 - Learn MoreShow Less
Special: 25 Mo CD
2.53% $1,000 - Learn MoreShow Less
30 Mo CD
0.85% $10,000 - Learn MoreShow Less
Special: 36 Mo CD
3.05% $1,000 - Learn MoreShow Less
36 Mo CD
3.05% $10,000 - Learn MoreShow Less
48 Mo CD
1.11% $10,000 - Learn MoreShow Less
60 Mo CD
1.16% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.35% $100 - Learn MoreShow Less
Special: 7 Mo FIRA
1.87% $1,000 - Learn MoreShow Less
Special: 15 Mo FIRA
2.28% $1,000 - Learn MoreShow Less
Special: 25 Mo FIRA
2.53% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.14% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $100 $2,499 Learn MoreShow Less
Int Ckg
0.15% $2,500 - Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for North American Savings Bank, F.S.B.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to North American Savings Bank, F.S.B.
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Branches

North American Savings Bank, F.S.B. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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North American Savings Bank, F.S.B. Locations

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Financial Details

North American Savings Bank, F.S.B. Ratio Analysis

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

Texas Ratio
North American Savings Bank, F.S.B. U.S. Bank Average
10.45% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, North American Savings Bank, F.S.B. had $21,525,000 in non-current loans and $5,147,000 in owned real estate. To cover these potential losses it had $235,536,000 in equity and $19,729,000 in loans loss reserves. That gives it a Texas Ratio of 10.45%.

Return on Equity
North American Savings Bank, F.S.B. U.S. Bank Average
12.88% 9.95%

North American Savings Bank, F.S.B. has a Return on Equity of 12.88% versus the BestCashCow average of 9.95%. 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.

Capitalization
North American Savings Bank, F.S.B. U.S. Bank Average
11.51% 12.19%

North American Savings Bank, F.S.B. has a Capitalization of 11.51% versus the BestCashCow average of 12.19. 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, F.S.B. Balance Sheet Analysis

As of September 30, 2018, North American Savings Bank, F.S.B. had assets of $2,047,222,000, loans of $1,836,657,000, and deposits of $1,561,214,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.13 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.84 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.03 billion
     Total Assets $1.81 billion
LIABILITIES
Total deposits $1.56 billion
      Interest-bearing deposits $1.46 billion
      Deposits held in domestic offices $1.56 billion
      % insured (estimated) 93.51%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.24 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.81 billion
      Shareholders’ Equity $0.24 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.08 billion
Total Interest Expense $0.02 billion
Net interest income $0.06 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.03 billion
Total non interest expense $0.06 billion
Pre-tax Net Operating Income $0.03 billion

Frequently Asked Questions About North American Savings Bank, F.s.b.

Branches and Savings

Is North American Savings Bank, F.s.b. FDIC insured?

Yes. It is covered under FDIC Certificate #29708.

Why does North American Savings Bank, F.s.b. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are North American Savings Bank, F.s.b. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is North American Savings Bank, F.s.b. a commercial bank?

Yes

Where are North American Savings Bank, F.s.b. locations?

See branch locations nearby.

Is North American Savings Bank, F.s.b. open on Saturdays?

Is North American Savings Bank, F.s.b. open on Sundays?

What time does North American Savings Bank, F.s.b. open?

What time does North American Savings Bank, F.s.b. close?

Are North American Savings Bank, F.s.b. ATMs Open 24/7?

Do North American Savings Bank, F.s.b. ATMs accept cash deposits?

Can North American Savings Bank, F.s.b. customers use other ATMs?

Do North American Savings Bank, F.s.b. branches have notaries?

Will North American Savings Bank, F.s.b. notarize my document?

What address for North American Savings Bank, F.s.b. should I put for incoming ACH transfers?

Will the North American Savings Bank, F.s.b. branch print checks?

Do North American Savings Bank, F.s.b. checks expire?

Does North American Savings Bank, F.s.b. require US citizenship to open account?

Can North American Savings Bank, F.s.b. close my account?

Does North American Savings Bank, F.s.b. Report to credit bureaus?

Does North American Savings Bank, F.s.b. Use Equifax?

What is North American Savings Bank, F.s.b.'s ACH Routing Number?

What is North American Savings Bank, F.s.b.'s SWIFT code?

Products

Does North American Savings Bank, F.s.b. offer mortgages?

Compare mortgage rates here.

Does North American Savings Bank, F.s.b. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does North American Savings Bank, F.s.b. offer personal loans?

Compare personal loan rates here.

Does North American Savings Bank, F.s.b. offer student loans?

Will North American Savings Bank, F.s.b. cash a check?

Will North American Savings Bank, F.s.b. redeem a savings bond?

Does North American Savings Bank, F.s.b. cash savings bonds?

Will North American Savings Bank, F.s.b. cash money orders?

Can North American Savings Bank, F.s.b. issue a money order?

Does North American Savings Bank, F.s.b. do currency exchange?

Background on The Bank

Who owns North American Savings Bank, F.s.b.?

How long has North American Savings Bank, F.s.b. been around?

Can North American Savings Bank, F.s.b. transfer to other banks?

Does North American Savings Bank, F.s.b. have quick pay?

Does North American Savings Bank, F.s.b. accept rolled coins?

Will North American Savings Bank, F.s.b. accept loose change?

Where is North American Savings Bank, F.s.b. headquarters?

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