The Liberty Savings Association, FSA: how it compares with its peers
Against 20 KS banks with half to twice its assets, The Liberty Savings Association, FSA's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.1M peer median). Its weakest relative measure is return on assets (0.28% vs. 1.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.28% | 1.23% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.14% | 3.74% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 91.48% | 64.58% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.1M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 43.00% | 56.13% | Context |
What it means for lending operations
Its efficiency ratio of 91.48% is above the 64.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Farmers State Bank Fairview, KS · $27M
- The Baxter State Bank Baxter Springs, KS · $25M
- The Peoples State Bank Cherryvale, KS · $23M
- The Dickinson County Bank Enterprise, KS · $23M
- Marquette Farmers State Bank of Marquette Marquette, KS · $34M
- National Advisors Trust Company Leawood, KS · $22M
Questions about The Liberty Savings Association, FSA
How big is The Liberty Savings Association, FSA?
The Liberty Savings Association, FSA, established in 1919, is headquartered in Fort Scott, KS. It reported $28M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Liberty Savings Association, FSA's return on assets?
0.28% annualized in Q2 2026, against a 1.23% median for 20 KS banks with half to twice its assets, ahead of 5% of them.
What is The Liberty Savings Association, FSA's efficiency ratio?
91.48% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 64.58%, and lower is better.
Is The Liberty Savings Association, FSA growing its loans?
Net loans shrank 12.0% over the year to Q2 2026, while deposits shrank 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.