BlastPoint's Banking Scorecard

The Liberty Savings Association, FSA

under $100M Specialty: Mortgage KS FDIC cert 29857

Designations: ✓ Community bank ✓ Mutual

Fort Scott, KS

537 banks in the under $100M peer group nationally 47 in KS

The Liberty Savings Association, FSA has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 23.79% below tier average
- ROA 0.64% below tier average
- Net Interest Margin 0.79% below tier average
- Efficiency Ratio 6.52% above tier average

Get updates when The Liberty Savings Association, FSA releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$28.3M -0.5% YoY +1.7% QoQ	-$33.9M	$62.3M -0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	Bottom 10.4% in tier
Total Loans ?	$10.1M -0.3% YoY -0.1% QoQ	-$24.2M	$34.3M -1.5% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	Bottom 11.0% in tier
Total Deposits ?	$21.5M -0.8% YoY +2.1% QoQ	-$30.4M	$51.8M -0.6% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	Bottom 10.6% in tier
Return on Assets ?	0.21% -56.8% YoY +63.0% QoQ	-0.64%	0.86% -3.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	19%
Net Interest Margin ?	3.08% -3.7% YoY -3.0% QoQ	-0.79%	3.87% +2.7% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	94.14% +12.5% YoY -3.1% QoQ	+6.52%	87.63% +2.3% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	16%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	47.01% +0.4% YoY -2.2% QoQ	-17.10%	64.11% -0.9% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	0.00%	-23.79%	23.79% +0.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	Bottom 4.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	24.20% +1.6% YoY +0.7% QoQ	-2.58%	26.77% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.03% -9.5% YoY -85.2% QoQ	-0.64%	0.67% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

118

Tier 1 Capital Ratio

capital

Value: 24.20%

Peer Median: 26.77%

#118 of 537 Top 21.8% in under $100M

Top Weaknesses (8 metrics)

513

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.79%

#513 of 537 Bottom 4.7% in under $100M

482

Total Assets

size

Value: $28.33M

Peer Median: $62.28M

#482 of 537 Bottom 10.4% in under $100M

481

Total Deposits

size

Value: $21.45M

Peer Median: $51.83M

#481 of 537 Bottom 10.6% in under $100M

479

Total Loans

size

Value: $10.09M

Peer Median: $34.29M

#479 of 537 Bottom 11.0% in under $100M

451

Efficiency Ratio

profitability

Value: 94.14%

Peer Median: 87.63%

#451 of 537 Bottom 16.2% in under $100M

442

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.87%

#442 of 537 Bottom 17.9% in under $100M

434

Return on Assets

profitability

Value: 0.21%

Peer Median: 0.86%

#434 of 537 Bottom 19.4% in under $100M

409

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#409 of 537 Bottom 24.0% in under $100M