Mutual Savings Association: how it compares with its peers
Against 68 KS banks with half to twice its assets, Mutual Savings Association's strongest measure in Q2 2026 is efficiency ratio (55.21% vs. a 59.14% peer median). Its weakest relative measure is net interest margin (4.10% vs. 4.03%).
| Measure | Mutual Savings Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.51% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 4.03% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.21% | 59.14% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.6M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.24% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 55.21% is better than the 59.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Questions about Mutual Savings Association
How big is Mutual Savings Association?
Mutual Savings Association, established in 1888, is headquartered in Leavenworth, KS. It reported $399M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Mutual Savings Association's return on assets?
1.60% annualized in Q2 2026, against a 1.51% median for 68 KS banks with half to twice its assets, ahead of 56% of them.
What is Mutual Savings Association's efficiency ratio?
55.21% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.14%, and lower is better.
Is Mutual Savings Association growing its loans?
Net loans grew 14.5% over the year to Q2 2026, while deposits grew 5.5%.
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.