Bank · FDIC insured
NSB Bank
A $460.8M bank headquartered in Mason City, IA, with 6 branches in Iowa.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—2.01%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About NSB Bank
Northwood State Bank was established in Northwood, Iowa, in 1933 by a group of local investors.
In 1954, the Paulson family purchased controlling interest of the bank and continues to lead the institution.
Today, NSB Bank operates six banking locations across Iowa in Northwood, Mason City, Forest City, Thompson, and Titonka.
- Headquarters
- 2650 4th St Sw, Mason City, IA 50401
- FDIC certificate
- 8094 ↗
Branches
6 branches in Iowa
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Iowa
6 branches
Mason City area · 2
- NSB BankMain office2650 4th St Sw, Mason City, IA 50401Directions
- Regency Branch451 S Illinois Ave, Mason City, IA 50401Directions
Forest City area · 1
- Forest City Branch101 Highway 69 N, Forest City, IA 50436Directions
Northwood area · 1
- Northwood Branch900 Central Ave, Northwood, IA 50459Directions
Thompson area · 1
- Thompson Branch11723 Highway 9, Thompson, IA 50478Directions
Titonka area · 1
- Titonka Branch173 Main St N, Titonka, IA 50480Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.49% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.32% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.92% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio8.49%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.32%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.92%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of NSB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.