BlastPoint's Banking Scorecard
The Liberty Savings Association, FSA
Micro
Specialty: Mortgage
KS
FDIC cert 29857
Designations: ✓ Community bank ✓ Mutual
Fort Scott, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Liberty Savings Association, FSA has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier
- - Efficiency Ratio 29.41% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.9M
-1.3% YoY
-1.2% QoQ
|
-$189.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$10.1M
-2.2% YoY
-2.5% QoQ
|
-$129.1M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$21.0M
-1.8% YoY
-1.3% QoQ
|
-$162.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.13%
-58.8% YoY
-61.3% QoQ
|
-0.95% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.18%
+6.2% YoY
+0.2% QoQ
|
-0.68% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
97.13%
+8.0% YoY
+10.5% QoQ
|
+29.41% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
48.07%
-0.3% YoY
-1.2% QoQ
|
-26.45% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
+153.3% YoY
+257.1% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.13%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
22
22th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.85%
11
11th pctile
Loan-to-Deposit Ratio
Current: 48.07% · Tier avg: 74.53%
8
8th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.13% · Tier avg: 67.73%
3
3th pctile
Total Loans
Current: $10.1M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $21.0M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $27.9M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Total Assets
Current: $27.9M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $21.0M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $10.1M · Tier avg: $139.2M
6
6th pctile
Efficiency Ratio
Current: 97.13% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.08%
11
11th pctile
Loan-to-Deposit Ratio
Current: 48.07% · Tier avg: 74.53%
22
22th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%