BlastPoint's Banking Scorecard

Mutual Savings Association

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

Designations: ✓ Mutual

Leavenworth, KS

6 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +5.5% year over year ($255.7M on the books).
Delinquency rate 1.12%.
Return on assets 1.60%.
Efficiency ratio 55.21% vs a 64.48% peer average.
Loan-to-deposit ratio 107.24% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (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 43.0% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 9.27% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.9% in tier
- Non-Interest-Bearing Deposit Share 13.47% below tier average
- Delinquency Rate 0.20% above tier average

Get updates when Mutual Savings Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$398.6M +7.2% YoY +0.4% QoQ	+$12.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$274.2M +14.5% YoY +1.2% QoQ	+$15.9M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$255.7M +5.5% YoY -1.5% QoQ	-$71.0M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	1.60% +2.2% YoY -2.6% QoQ	+0.28%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	4.10% +4.0% YoY +0.9% QoQ	+0.11%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	55.21% +1.1% YoY +0.6% QoQ	-9.27%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	1.12% -12.6% YoY -4.3% QoQ	+0.20%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	107.24% +8.6% YoY +2.7% QoQ	+29.28%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 4.7% in tier
Non-Interest-Bearing Deposit Share ?	8.56% -1.2% YoY -3.6% QoQ	-13.47%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 7.9% in tier
Nonperforming Asset Ratio ?	0.81% -2.0% YoY +1.2% QoQ	+0.14%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	31.86% -3.7% YoY -0.0% QoQ	+15.95%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Top 3.4% in tier
Non-Interest Income / Assets ?	0.48% +1.4% YoY +95.0% QoQ	-0.08%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 9.9% in tier

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	8.6% -0.1pp YoY -0.3pp QoQ	-13.6pp	22.1%	22.3%	22.2%	7%
Brokered Deposits	6.7% -1.4pp YoY +0.1pp QoQ	-1.2pp	7.9%	8.7%	8.5%	62%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	9.5% -0.7pp YoY -0.1pp QoQ	-2.0pp	11.6%	12.6%	12.5%	50%
CRE	42.1% +0.5pp YoY -1.7pp QoQ	+2.6pp	39.5%	28.8%	41.4%	57%
1-4 Family	47.8% +0.3pp YoY +1.7pp QoQ	+15.2pp	32.6%	26.7%	31.3%	80%
Consumer	1.8% -0.1pp YoY +0.1pp QoQ	-2.4pp	4.1%	4.6%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	31.9% -1.2pp YoY 0.0pp QoQ	+13.0pp	18.8%	23.3%	19.7%	94%
Leverage Ratio	23.8% -0.3pp YoY +0.7pp QoQ	+11.7pp	12.2%	12.6%	12.6%	98%
Total Capital Ratio	33.0% -1.2pp YoY 0.0pp QoQ	+13.0pp	19.9%	24.4%	20.8%	94%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	60 +1 (+1.7%) YoY +4 (+7.1%) QoQ	+1	58	70	482	63%
Assets per Employee ($)	$6.6M +5.4% YoY -6.3% QoQ	-$875K	$7.5M	$7.1M	$8.8M	45%
Branch Count	6 0 YoY 0 QoQ	+1	4	6	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.7% -0.3pp YoY 0.0pp QoQ	+0.4pp	0.3%	0.4%	0.4%	88%
Nonaccrual	0.4% +0.2pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	47%
Allowance Coverage	0.92x +14.3% YoY +1.7% QoQ	-23.23x	24.15x	22.44x	20.23x	24%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	7.0% +0.2pp YoY -0.3pp QoQ	-5.2pp	12.2%	14.3%	11.6%	21%
Cost of Funds (YTD)	2.1% 0.0pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	74%
Net Income ($, YTD)	$3.2M +11.5% YoY — QoQ	+$642K	$2.6M	$3.7M	$40.4M	72%

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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

#285 of 661 • Top 43.0% 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: 0.48%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.60%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#8 of 742 • Bottom 0.9% 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: 31.86%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 107.24%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 31.86%

Peer Median: 15.91%

#91 of 2643 Top 3.4% in $100M-$1B

262

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.57%

#262 of 2643 Top 9.9% in $100M-$1B

Top Weaknesses (2 metrics)

2519

Loan-to-Deposit Ratio

liquidity

Value: 107.24%

Peer Median: 77.95%

#2519 of 2643 Bottom 4.7% in $100M-$1B

2434

Non-Interest-Bearing Deposit Share

funding

Value: 8.56%

Peer Median: 22.03%

#2434 of 2643 Bottom 7.9% in $100M-$1B