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Overview / Commentary
100 South 4th St
Leavenworth, KS 66048

Mutual Savings Association, FSA is headquartered in Leavenworth and is the 69th largest bank in the state of Kansas. It is also the 3,084th largest bank in the nation. It was established in 1888 and as of June of 2014, it had grown to 45 employees at 6 locations. Mutual Savings Association, FSA has a B health rating.

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Data for Q2 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 June 30, 2014 Mutual Savings Association, FSA had $10.88 million in non-current loans and owned real-estate with $58.88 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Association, FSA a Texas Ratio of 18.48% 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 22.12% as of June 30, 2013 to 18.48% as of June 30, 2014, resulting in a positive change of 16.44%.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 -$15.01 million, resulting in -9.94% 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.



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 $195.45 million in assets with $58.88 million in equity, resulting in a capitalization level of 30.12%, which is excellent.

Institution Statistics

FDIC Certificate #29988
Year Established1888
Primary RegulatorOCC
Assets and Liabilities
Assets$195.45 million
Loans$107.80 million
Deposits$135.95 million
Equity Capital$57.31 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$5.76 million
Real Estate Owned$5.12 million
Historic Data - June 2013
Assets$208.89 million
Equity Capital$55.83 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$5.76 million
Real Estate Owned$2.54 million
Profit Margin - Quarterly
Return on Assets0.95%
Return on Equity3.35%
Interest Income$3.79 million
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Mutual Savings Association, FSA Savings Account Rates

0.15%$25k-Liquidity Manager Savings Account

Mutual Savings Association, FSA Checking Account Rates

0.05%--Senior Preferred Checking Account

Mutual Savings Association, FSA CD Rates

1.15%$2k-5 Year CD
0.65%$2k-3 Year CD
0.50%$2k-4 Year CD with Rate Protection
0.45%$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, FSA100 South 4th StLeavenworth, KS 66048
Bonner Springs Branch229 OakBonner Springs, KS 66012
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