NASB Financial, Inc. Announces Financial Results

NASB Financial, Inc. (the “Company”) (OTCQX: NASB) announced today net income for the quarter ended December 31, 2025, of $8.3 million or $1.15 per share. This compares to net income of $8.1 million or $1.12 per share for the quarter ended September 30, 2025, and compares to net income of $8.0 million or $1.10 per share for the quarter ended December 31, 2024.

NASB Financial, Inc. is a unitary thrift holding company for North American Savings Bank, F.S.B. (“NASB”). Since 1927, NASB has been serving the financial needs of customers by providing an array of personal banking and lending products in the Kansas City metro area. NASB offers competitive residential and commercial mortgages nationwide with the safety and security of a Federal institution. For more information, visit nasb.com.

(Financial Highlights Schedule Attached)

NASB Financial, Inc. Financial Highlights (Dollars in thousands, except per share data) Three Months Ended 12/31/25 9/30/25 12/31/24 EARNINGS DATA: Net interest income $ 20,960 21,162 19,564 Provision for credit losses 66 Non-interest income 1,889 2,065 3,124 Non-interest expense 11,844 12,539 12,073 Income tax expense 2,707 2,629 2,595 Net income $ 8,298 8,059 7,954 FINANCIAL CONDITION DATA: Total assets $ 2,966,618 2,932,977 2,919,263 Total loans held for investment and mortgage-backed securities, net 2,208,550 2,181,844 2,186,076 Customer and brokered deposit accounts 1,874,438 1,823,300 1,800,419 Stockholders' equity 436,622 430,942 413,891 FINANCIAL RATIOS AND PER SHARE DATA: Book value per share $ 60.36 59.78 57.20 Earnings per share 1.15 1.12 1.10 Cash dividends paid per share 0.35 0.60 0.25 Return on assets (annualized net income 1.13 % 1.10 % 1.10 % divided by total average assets) Return on equity (annualized net income 7.65 % 7.54 % 7.69 % divided by average stockholders' equity) Weighted average shares outstanding 7,225,644 7,212,753 7,232,473

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SOURCE NASB Financial, Inc.

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