Liberty Savings Association, FSA, The
Fort Scott, KS · Cert 29857 · Peer group: banks under $1B in assets in KS (n=98)
State savings bank · OCC · 1 branch
Q2 2026
$28.2MAssets
$9.2MLoans
$21.2MDeposits
$6.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets in KS (rank 98 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.28%
Rank 97 of 98
Net Interest Margin
3.04%
Rank 86 of 98
Efficiency Ratio
91.48%
Rank 98 of 98
Equity / Assets
24.35%
Rank 2 of 98
Non-interest income vs. expense
Unfavorable gap of $792K · efficiency ratio beats 1% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 1.03% | 1.24% | 1.54% | Beats 1% | 97 / 98 | | |
| Return on Equity | 1.14% | 8.85% | 11.58% | 14.73% | Beats 1% | 97 / 98 | | |
| Net Interest Margin | 3.04% | 3.24% | 3.62% | 3.91% | Beats 12% | 86 / 98 | | |
| Efficiency Ratio | 91.48% | 51.87% | 58.88% | 64.74% | Beats 1% | 98 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 24.05% | 11.81% | 13.71% | 17.33% | Beats 89% | 11 / 98 | | |
| Total Risk-Based Capital Ratio | 24.05% | 11.81% | 14.13% | 17.45% | Beats 89% | 11 / 98 | | |
| Equity / Assets | 24.35% | 8.60% | 11.34% | 13.10% | Beats 98% | 2 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.32% | 57.09% | 69.84% | 82.47% | 8th pctl | 90 / 98 | | |
| Loans / Assets | 32.67% | 49.34% | 58.31% | 68.94% | 3rd pctl | 95 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |