NSB Bank is a state-chartered bank headquartered in Mason City, Iowa, in business for about 93 years. At the end of Q2 2026 it reported $460.8M in total assets and $400.6M in deposits, with 6 offices.
NSB Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 182nd. Loan quality contributes the most (89/100, 0.32%); capital cushion contributes the least (35/100, 8.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 63 |
| Q2 2025 | 61 |
| Q3 2025 | 61 |
| Q4 2025 | 63 |
| Q1 2026 | 58 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.86% |
| Q3 2024 | 8.42% |
| Q4 2024 | 8.12% |
| Q1 2025 | 8.56% |
| Q2 2025 | 8.38% |
| Q3 2025 | 8.54% |
| Q4 2025 | 8.28% |
| Q1 2026 | 8.46% |
| Q2 2026 | 8.49% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.01% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.22% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $460.8M | 8.49% | 0.32% | 0.92% | 82.4% |
| Q1 2026 | 58 | $479.0M | 8.46% | 0.67% | 0.81% | 81.0% |
| Q4 2025 | 63 | $468.6M | 8.28% | 0.43% | 1.22% | 85.4% |
| Q3 2025 | 61 | $469.4M | 8.54% | 0.69% | 1.26% | 81.9% |
| Q2 2025 | 61 | $470.5M | 8.38% | 0.64% | 1.17% | 82.4% |
| Q1 2025 | 63 | $469.7M | 8.56% | 0.56% | 1.28% | 80.7% |
| Q4 2024 | 64 | $462.8M | 8.12% | 0.08% | 1.01% | 83.3% |
| Q3 2024 | 65 | $474.7M | 8.42% | 0.09% | 1.01% | 80.9% |
| Q2 2024 | 67 | $449.7M | 8.86% | 0.05% | 1.01% | 83.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Security BankBank Sumner, IA | 77 out of 100, Strong | $461.9M | 10.8% | 0.00% | vs |
| Iowa State BankBank Algona, IA | 73 out of 100, Strong | $470.7M | 11.2% | 0.15% | vs |
| GreatAmerica Bank National AssociationBank Cedar Rapids, IA | 73 out of 100, Strong | $450.0M | 61.6% | 0.00% | vs |
| Iowa State BankBank Des Moines, IA | 95 out of 100, Very strong | $480.5M | 15.9% | 0.00% | vs |
| Home State BankBank Jefferson, IA | 38 out of 100, Low | $480.7M | 8.9% | 2.21% | vs |
| American Bank and Trust Company, National AssociationBank Davenport, IA | 61 out of 100, Moderate | $480.9M | 10.1% | 0.86% | vs |
Deposit insurance
Is my money safe at NSB Bank?
Yes. NSB Bank is an FDIC-insured institution (FDIC certificate #8094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.8% of deposits ($127.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.00% (benchmark: 10%).
6 locations
Branches
NSB Bank lists 6 offices in 5 cities. Most locations:
- Mason City, IA (2)
- Forest City, IA (1)
- Northwood, IA (1)
- Thompson, IA (1)
- Titonka, IA (1)
Identity & history
Profile
- Legal name
- NSB Bank
- Former names
- Northwoods State Bank; Northwood State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8094
- RSSD ID
- 253646
- Primary regulator
- FDIC
- Holding company
- Northwood Finl Services Corp
- Established
- January 1, 1933
- Headquarters
- 2650 4th St Sw, Mason City, IA 50401
- Website
- www.nsbbank.com
- Employees
- 49
Quick answers
NSB Bank: common questions
Is NSB Bank FDIC insured?
Yes. NSB Bank is an FDIC-insured institution (FDIC certificate #8094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is NSB Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has NSB Bank ever failed?
There is no failure record for FDIC certificate #8094 in the FDIC failed bank list.
How many branches does NSB Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mason City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
| Ace Credit UnionCredit union Mason City, IA | 89 out of 100, Very strong | $7.5M | 20.9% | 0.12% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| Iowa Heartland Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $30.3M | 17.0% | 0.42% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |