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Letter portraitLegal landscapeQuarterYTD

Liberty Savings Association, FSA, The

Fort Scott, KS · Cert 29857

State savings bank · OCC · 1 branch

Q2 2026

$28.2MAssets
$9.2MLoans
$21.2MDeposits
$6.9MEquity
Loan mix
87%RE $8.5M5%C&I $0.5M8%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $21.2M0%Noninterest $0.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.28%, down 17 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 24.05%, up 30 bps from a year ago.
  • Funding: loans stand at 43.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.28%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-3 bps YoY

Efficiency Ratio (YTD, annualized)

91.48%+658 bps YoY

Tier 1 Leverage Ratio

24.05%+30 bps YoY

NIM

3.71%Q2 ’243.98%Q2 ’253.96%Q2 ’26+4%-1%

Non-interest income vs. expense

2.43%Q2 ’242.69%Q2 ’252.86%Q2 ’26+11%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.32%0.49%0.44%0.34%0.13%0.21%0.28%-17 bps
Return on Equity2.33%1.38%2.06%1.85%1.41%0.54%0.88%1.14%-71 bps
Net Interest Margin2.97%2.98%3.12%3.07%3.10%3.11%3.02%3.04%-3 bps
Efficiency Ratio81.75%89.95%83.69%84.90%87.92%97.13%94.14%91.48%+658 bps
Non-Interest Burden2.42%2.67%2.59%2.60%2.72%3.01%2.83%2.78%+18 bps
Growth
Asset Growth (YoY)-8.40%-7.42%-3.95%-2.34%-2.42%-1.29%-0.53%-1.02%+132 bps
Loan Growth (YoY)0.70%-2.80%-3.99%-0.33%-0.49%-2.25%-0.44%-11.98%-1,165 bps
Deposit Growth (YoY)-11.19%-9.90%-5.52%-3.39%-3.36%-1.83%-0.76%-1.38%+201 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.76%0.77%0.78%0.77%0.77%0.68%0.68%0.75%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio23.19%23.41%23.82%23.75%24.09%24.02%24.20%24.05%+30 bps
Total Risk-Based Capital23.19%23.41%23.82%23.75%24.09%24.02%24.20%24.05%+30 bps
Equity / Assets23.56%24.02%23.93%24.05%24.31%24.47%24.12%24.35%+29 bps
Liquidity & Funding
Loans / Deposits47.63%48.61%47.18%48.54%49.05%48.40%47.34%43.32%-522 bps
Liquid Assets / Assets62.51%61.84%62.70%61.86%61.51%62.14%62.79%66.00%+414 bps
CRE / Total Capitaln/an/an/an/a10.45%6.10%6.97%n/an/a