BlastPoint's Banking Scorecard
Mutual Savings Association
Micro
Specialty: Commercial
KS
FDIC cert 29988
Designations: ✓ Community bank ✓ Mutual
Leavenworth, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Mutual Savings Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.20% above tier
- + Tier 1 Capital Ratio 21.97% above tier
- + Non-Interest Income / Assets 0.35% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$402.7M
+12.1% YoY
+6.7% QoQ
|
+$185.2M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$274.0M
+21.4% YoY
+10.2% QoQ
|
+$134.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$252.0M
+4.6% YoY
+2.5% QoQ
|
+$68.4M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.44%
-2.0% YoY
-8.7% QoQ
|
+0.35% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.93%
+2.9% YoY
-0.5% QoQ
|
+0.08% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
55.95%
+2.0% YoY
+1.5% QoQ
|
-11.78% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.44%
+77.0% YoY
-65.1% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
108.73%
+16.1% YoY
+7.6% QoQ
|
+34.20% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.30%
-1.4% YoY
-7.9% QoQ
|
-14.10% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.30%
+91.7% YoY
-63.9% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
30.82%
-7.6% YoY
-6.3% QoQ
|
+21.97% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.91%
-4.9% YoY
+27.5% QoQ
|
+0.35% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
108.73%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
30.82%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.30%
(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
96
96th pctile
Tier 1 Capital Ratio
Current: 30.82% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.73% · Tier avg: 74.53%
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
89
89th pctile
Total Assets
Current: $402.7M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $274.0M · Tier avg: $139.2M
79
79th pctile
Efficiency Ratio
Current: 55.95% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
71
71th pctile
Total Deposits
Current: $252.0M · Tier avg: $183.7M
55
55th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.30% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.30% · Tier avg: 22.39%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
55
55th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.85%
71
71th pctile
Total Deposits
Current: $252.0M · Tier avg: $183.7M
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
79
79th pctile
Efficiency Ratio
Current: 55.95% · Tier avg: 67.73%
88
88th pctile
Total Loans
Current: $274.0M · Tier avg: $139.2M
89
89th pctile
Total Assets
Current: $402.7M · Tier avg: $217.5M
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
96
96th pctile
Loan-to-Deposit Ratio
Current: 108.73% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 30.82% · Tier avg: 8.85%