NASB Financial, Inc. is holding company of North American Savings Bank, F.S.B.( the Bank). The Bank is a federally chartered stock savings bank. The Bank's market area includes the counties of Jackson, Cass, Clay, Buchanan, Andrew, Platte, and Ray in Missouri, and Johnson and Wyandotte counties in Kansas. As of September 30, 2012, the Bank had nine retail deposit offices in Missouri, including one each in Grandview, Lee's Summit, Independence, Harrisonville, Excelsior Springs, Platte City, and St. Joseph, and two in Kansas City. The Bank also operates loan production offices in Lee's Summit and Springfield in Missouri, and Overland Park in Kansas. The Bank's business is to attract deposits from the general public and to originate real estate loans, other loans and short-term investments. The Bank's sources of income include interest on loans, interest on MBS, customer service fees, and mortgage banking fees.