NSB Bank on Your Credit Report
In short: Headquartered in Mason City, Iowa, NSB Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System. The charter behind FDIC certificate 8094 dates to January 1, 1933 — a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. As of the 06/30/2026 call report, NSB Bank held $461 million in assets and operated 6 FDIC-reported offices. Because NSB Bank furnishes its own tradelines, you can dispute through the bureaus under §611 and directly with the bank under §623. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who NSB Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
NSB Bank appears in FDIC records as certificate 8094 — $461 million in total assets, 6 offices, headquartered in Mason City, Iowa, on a charter 93 years old as of 2026.
How NSB Bank appears on your credit report
NSB Bank is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Consumer accounts originated across its 6 Iowa offices
- ◆Deposit-account overdraft balances referred for collection
- ◆Small-business and agricultural credit carrying a personal guaranty
Grounds to dispute a NSB Bank entry
Each of these is a reason a NSB Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account settled with NSB Bank still reporting the original charged-off balance
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
NSB Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, NSB Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send NSB Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
NSB Bank questions, answered
Is NSB Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 8094. That record lists NSB Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Mason City, IA, chartered January 1, 1933, with $461 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates NSB Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, NSB Bank answers primarily to the FDIC and its state banking regulator. If both the §623 furnisher dispute and the §611 bureau dispute return verified while your own records say otherwise, you can file a CFPB complaint and, where warranted, pursue the private right of action under FCRA §§616–617. Both routes are free to you.
How many credit-card complaints does the CFPB show against NSB Bank?
None is listed. NSB Bank did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can an NSB Bank charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the NSB Bank account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with NSB Bank and disputing with a collector?
NSB Bank is the original creditor and holds the underlying file — application, statements, posting history. A debt buyer or agency works from whatever data came across in the transfer, which is often a single summary line. A §623 dispute to NSB Bank reaches the source documents instead.
Does NSB Bank report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With NSB Bank, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
NSB Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When NSB Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute NSB Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to NSB Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on NSB Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Match the NSB Bank entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by NSB Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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