General

NS&L Bancorp, Inc. ("NS&L Bancorp" or the "Corporation") is the holding company for Neosho Savings and Loan Association, F.A. ("Neosho Savings" or the "Association"). NS&L Bancorp has not engaged in any significant activity other than holding the stock of Neosho Savings. Accordingly, the information set forth in this report, including financial statements and related data, relates primarily to Neosho Savings and its subsidiary.

Neosho Savings, founded in 1884, is a federally chartered stock savings and loan association, located in Neosho, Missouri. The Association is regulated by the Office of Thrift Supervision (the "OTS"),...