NSB Bank
Mason City, IA
IDRSSD: 253646
Total Assets
$468.65M
Latest filing
Total Deposits
$400.17M
Latest filing
Net Interest Margin
3.07%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
NSB Bank
2650 4th St Sw
Mason City, IA 50401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1933FDIC Certificate 5148
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| NSB Bank (Main) | 2650 4th St Sw | Mason City, IA |
| TITONKA BRANCH | 173 Main St N | Titonka, IA |
| NORTHWOOD BRANCH | 900 Central Ave | Northwood, IA |
| REGENCY BRANCH | 451 S Illinois Ave | Mason City, IA |
| THOMPSON BRANCH | 11723 Highway 9 | Thompson, IA |
| FOREST CITY BRANCH | 101 Highway 69 N | Forest City, IA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50401 |
| State and County Number | 19033 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Mason City, IA |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.nsbbank.com |
| Data Updated | 01/30/2026 |
| CERT | 8094 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $468.65M |
| Total Deposits | $400.17M |
| Total Liabilities | $430.10M |
| Total Equity Capital | $38.55M |
| Net Income | $1.29M |
| Net Loans and Leases | $341.57M |
| Assets Per Employee ($Millions) | $10.19M |
| Bank Premises and Fixed Assets | $6.56M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $400.17M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 13.5% |
| Net Interest Margin | 3.07% |
| Efficiency Ratio | 58.55% |
| Tier 1 Risk-Based Capital Ratio | 10.663% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.225% |
| Earning Assets to total Assets | 93.34% |
Income and Expense
| Total Interest Income | $5.74M |
| Total Noninterest Income | $431.00k |
| Total Interest Expense | $2.37M |
| Total Noninterest Expense | $2.22M |
| Net Interest Income | $3.36M |
| Pre-tax Net Operating Income | $1.50M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $17.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.10M |
| Federal Funds Purchased and Repurchased Agreement | $8.42M |
| All Other Liabilities | $4.01M |
| Total Liabilities and Capital | $468.65M |
Securities
| Securities | $90.51M |
| Available-for-sale debt securities | $90.51M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of NSB Bank?
$468.65M as of the latest filing.
How much are NSB Bank's total deposits?
$400.17M in total deposits.
Where is NSB Bank located?
Mason City, IA.
What is the Net Interest Margin?
3.07%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1933.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$341.57M (latest filing).
What is the total interest income (latest filing)?
$5.74M.