BlastPoint's Banking Scorecard
The Liberty Savings Association, FSA
Designations: ✓ Community bank ✓ Mutual
Fort Scott, KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits -1.4% year over year ($21.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.28%.
- Efficiency ratio 91.48% vs a 119.40% peer average.
- Loan-to-deposit ratio 43.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Liberty Savings Association, FSA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 27.92% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - ROA 0.72% below tier average
- - Net Interest Margin 0.78% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.2M
-1.0% YoY
-0.6% QoQ
|
-$34.3M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.1% in tier |
| Total Loans ? |
$9.1M
-12.0% YoY
-9.4% QoQ
|
-$25.8M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.3% in tier |
| Total Deposits ? |
$21.2M
-1.4% YoY
-1.0% QoQ
|
-$30.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.6% in tier |
| Return on Assets ? |
0.28%
-37.5% YoY
+29.9% QoQ
|
-0.72% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.14%
-1.2% YoY
+1.8% QoQ
|
-0.78% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
91.48%
+7.7% YoY
-2.8% QoQ
|
-27.92% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
43.00%
-10.7% YoY
-8.5% QoQ
|
-31.21% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
24.05%
+1.3% YoY
-0.6% QoQ
|
-3.07% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.04%
-13.4% YoY
+34.1% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 24.6% | 22.3% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.0%
-3.7pp YoY -3.7pp QoQ |
-12.5pp | 13.4% | 12.6% | 12.5% | 3% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
82.2%
+8.1pp YoY +6.2pp QoQ |
+47.2pp | 35.0% | 26.7% | 31.3% | 93% |
| Consumer |
8.1%
-1.0pp YoY -0.1pp QoQ |
+0.4pp | 7.7% | 4.6% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
24.1%
+0.3pp YoY -0.1pp QoQ |
+6.4pp | 17.7% | 12.6% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 70 | 482 | 2% |
| Assets per Employee ($) |
$7.0M
-1.0% YoY -0.6% QoQ |
+$853K | $6.2M | $7.1M | $8.8M | 67% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.1%
-0.7pp YoY +0.3pp QoQ |
-5.3pp | 6.4% | 14.3% | 11.6% | 15% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 23% |
| Net Income ($, YTD) |
$39,000
-38.1% YoY — QoQ |
-$279K | $317,817 | $3.7M | $40.4M | 16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.