Nsb Bank (FDIC #8094): Bank Stress & Real-Estate Credit Exposure

Nsb Bank (FDIC Cert #8094): bank stress 78/100, severe, STABLE over 7 days; parent NORTHWOOD FINL SERVICES CORP.

Nsb Bank (#8094) lends in 4 counties across 1 state; Nsb Bank (#8094) reaches 49 ZIP codes: Iowa 4 counties, 49 ZIPs.

Nsb Bank (#8094) largest markets: Kossuth County, IA (21 branches, 21 ZIPs) (#8094), Cerro Gordo County, IA (34 branches, 17 ZIPs) (#8094), Winnebago County, IA (22 branches, 11 ZIPs) (#8094), Worth County, IA (10 branches, 10 ZIPs) (#8094).

Nsb Bank (#8094) reports $460.8 million in total assets; Nsb Bank (#8094) equity $38.9 million (8.4% of Nsb Bank (#8094) assets); Nsb Bank (#8094) domestic deposits $400.6 million; Nsb Bank (#8094) net income $2.2 million; Nsb Bank (#8094) return on assets 0.92%; Nsb Bank (#8094) return on equity 11.27%; Nsb Bank (#8094) net interest income $6.8 million; Nsb Bank (#8094) call report June 30, 2026.

Nsb Bank (#8094) noncurrent real-estate loans 0.48% of its book; Nsb Bank (#8094) residential 0.95%; Nsb Bank (#8094) net charge-offs on real estate 0.47%; Nsb Bank (#8094) residential charge-offs 0.91%.

Nsb Bank (#8094) net interest margin 3.08% against an eight-quarter Nsb Bank (#8094) average of 2.81% (Nsb Bank (#8094) compression -0.26 points); Nsb Bank (#8094) real-estate loans 48.5% of equity; Nsb Bank (#8094) non-residential real estate 91.0% of equity; Nsb Bank (#8094) rate-exposure score 40/100, Nsb Bank (#8094) fixed-rate trap 40/100; Nsb Bank (#8094) risk type credit driven; Nsb Bank (#8094) rate regime rates elevated, Nsb Bank (#8094) snapshot October 20, 2026.

Nsb Bank (#8094) stress score moved from 80.2 on June 22, 2026 to 77.6 on October 20, 2026; Nsb Bank (#8094) ranged 77.6 to 80.2 over 117 snapshots.

Nsb Bank (#8094) alerts: 4 counties; top Nsb Bank (#8094) alert scores: Mason City County, IA 26 (low); Northwood County, IA 26 (low); Thompson County, IA 26 (low); Titonka County, IA 26 (low).