BlastPoint's Banking Scorecard

Mutual Savings Association

$100M-$1B Specialty: Commercial KS FDIC cert 29988

Designations: ✓ Mutual

Leavenworth, KS

6 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Mutual Savings Association has 4 strengths but faces 3 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

+ Revenue Diversifier: Top 37.7% in tier
+ ROA 0.37% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 10.43% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.8% in tier
- Non-Interest-Bearing Deposit Share 13.14% below tier average
- Delinquency Rate 0.28% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$396.9M +8.2% YoY -1.4% QoQ	+$10.8M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$271.1M +15.9% YoY -1.1% QoQ	+$15.4M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$259.7M +5.7% YoY +3.1% QoQ	-$68.2M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.64% +8.5% YoY +14.3% QoQ	+0.37%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	4.06% +2.9% YoY +3.3% QoQ	+0.13%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	54.86% -3.3% YoY -1.9% QoQ	-10.43%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	1.17% +154.9% YoY +163.2% QoQ	+0.28%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	104.37% +9.6% YoY -4.0% QoQ	+27.74%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Bottom 5.2% in tier
Non-Interest-Bearing Deposit Share ?	8.88% -2.7% YoY +7.0% QoQ	-13.14%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 8.8% in tier
Nonperforming Asset Ratio ?	0.80% +173.0% YoY +164.1% QoQ	+0.16%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	31.87% -6.5% YoY +3.4% QoQ	+16.04%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Top 3.2% in tier
Non-Interest Income / Assets ?	0.25% +9.6% YoY -72.7% QoQ	-0.03%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 9.3% in tier

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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 (1)

Revenue Diversifier

growth

#252 of 666 • Top 37.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.64%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#14 of 739 • Bottom 1.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 31.87%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 104.37%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 31.87%

Peer Median: 15.83%

#85 of 2664 Top 3.2% in $100M-$1B

249

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#249 of 2664 Top 9.3% in $100M-$1B

Top Weaknesses (3 metrics)

2526

Loan-to-Deposit Ratio

liquidity

Value: 104.37%

Peer Median: 76.64%

#2526 of 2664 Bottom 5.2% in $100M-$1B

2431

Non-Interest-Bearing Deposit Share

funding

Value: 8.88%

Peer Median: 22.02%

#2431 of 2664 Bottom 8.8% in $100M-$1B

1998

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.89%

#1998 of 2654 Bottom 24.8% in $100M-$1B