Mutual Savings Association, FSA
Mutual Savings Association, FSA is headquartered in Leavenworth and is the 68th largest bank in the state of Kansas. It is also the 3,054th largest bank in the nation. It was established in 1888 and as of March of 2014, it had grown to 46 employees at 6 locations. Mutual Savings Association, FSA has a B health rating.
Data for Q1 2014
Institution Health
Texas Ratio
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mutual Savings Association, FSA had $11.94 million in non-current loans and owned real-estate with $58.67 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Association, FSA a Texas Ratio of 20.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Mutual Savings Association, FSA decreased slightly from 23.05% as of March 31, 2013 to 20.35% as of March 31, 2014, resulting in a positive change of 11.74%.This indicates that the balance sheet and financial strength for Mutual Savings Association, FSA has improved slightly in recent periods.
Deposit Growth
In the past year, Mutual Savings Association, FSA has decreased its total deposits by -$13.79 million, resulting in -8.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mutual Savings Association, FSA has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mutual Savings Association, FSA has $200.59 million in assets with $58.67 million in equity, resulting in a capitalization level of 29.25%, which is excellent.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 29988 |
| Year Established | 1888 |
| Employees | 46 |
| Primary Regulator | OCC |
| Assets and Liabilities | |
|---|---|
| Assets | $200.59 million |
| Loans | $108.86 million |
| Deposits | $141.70 million |
| Equity Capital | $56.92 million |
| Loan Loss Allowance | $1.75 million |
| Unbacked Noncurrent Loans | $7.48 million |
| Real Estate Owned | $4.46 million |
| Historic Data - March 2013 | |
|---|---|
| Assets | $212.53 million |
| Equity Capital | $55.04 million |
| Loan Loss Allowance | $1.98 million |
| Unbacked Noncurrent Loans | $7.48 million |
| Real Estate Owned | $2.17 million |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.4% |
| Return on Assets | 0.96% |
| Return on Equity | 3.44% |
| Interest Income | $1.89 million |
Always verify rates and promotions with the bank or credit union. We are not Mutual Savings Association, FSA, we are a rate comparison website and can not provide official rates or promotions.
Mutual Savings Association, FSA Savings Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.15% | $25k | - | Liquidity Manager Savings Account |
Mutual Savings Association, FSA Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.05% | - | - | Senior Preferred Checking Account |
Mutual Savings Association, FSA CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.00% | $2k | - | 5 Year CD | |
| 0.50% | $2k | - | 3 Year CD | |
| 0.40% | $2k | - | 4 Year CD with Rate Protection | |
| 0.35% | $2k | - | 2 Year CD | |
| 0.25% | $2k | - | 1 Year CD | |
| 0.20% | $2k | - | 182 Day CD | |
| 0.10% | $2k | - | 91 Day CD |
| Mutual Savings Association, FSA Locations | ||
|---|---|---|
| Mutual Savings Association, FSA | 100 South 4th St | Leavenworth, KS 66048 |
| Bonner Springs Branch | 229 Oak | Bonner Springs, KS 66012 |
| Leavenworth Plaza Shopping Center Br | 3400 South Fourth Street | Leavenworth, KS 66048 |
| 403 East 4th Street Branch | 403 East 4th Street | Tonganoxie, KS 66086 |
| 515 Delaware Branch | 515 Delaware | Oskaloosa, KS 66066 |
| 8th & Main Branch | 801 Main | Eudora, KS 66025 |