TellerScore

Mutual Savings Association (FDIC certificate #29988) is based in Leavenworth, Kansas. Its Q2 2026 call report shows $398.6M in total assets and $255.7M in deposits and 6 offices.

Based on its Q2 2026 filing, Mutual Savings Association scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 54th. Its strongest component is capital cushion (100/100; 23.84%), and its lowest is funding & liquidity (53/100; 107% loans-to-deposits, 12% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 23.84%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.11%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 107.2% · 11.6% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).

TellerScore
798489Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202488
Q4 202489
Q1 202587
Q2 202580
Q3 202579
Q4 202584
Q1 202680
Q2 202680
Tier 1 leverage ratio
5.00%14.59%24.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202423.44%
Q3 202423.99%
Q4 202423.94%
Q1 202523.92%
Q2 202524.18%
Q3 202524.14%
Q4 202523.44%
Q1 202623.12%
Q2 202623.84%
Noncurrent loans
0.25%0.76%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.57%
Q3 20240.25%
Q4 20240.25%
Q1 20250.45%
Q2 20251.27%
Q3 20251.26%
Q4 20250.44%
Q1 20261.16%
Q2 20261.11%
Return on assets
1.40%1.52%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.40%
Q4 20241.47%
Q1 20251.51%
Q2 20251.57%
Q3 20251.57%
Q4 20251.44%
Q1 20261.64%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$398.6M23.84%1.11%1.60%107.2%
Q1 202680$396.9M23.12%1.16%1.64%104.4%
Q4 202584$402.7M23.44%0.44%1.44%108.7%
Q3 202579$377.4M24.14%1.26%1.57%101.1%
Q2 202580$371.9M24.18%1.27%1.57%98.8%
Q1 202587$366.9M23.92%0.45%1.51%95.2%
Q4 202489$359.4M23.94%0.25%1.47%93.7%
Q3 202488$355.1M23.99%0.25%1.40%90.9%
Q2 202485$351.9M23.44%0.57%1.40%91.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.84%
98th
Total risk-based capital32.95%
97th
Problem loans1.11%
25th
Net charge-offs-0.01%
90th
Return on assets1.60%
71st
Net interest margin4.10%
59th
Efficiency ratio55.2%
72nd
Loans to deposits107.2%
5th
Uninsured deposits11.6%
91st
Loan-loss reserves1.02%
29th
Texas ratio3.4%
45th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers State Bank of Oakley, KansasBank Oakley, KS76 out of 100, Strong$396.1M11.6%0.01%vs
Commercial BankBank Parsons, KS62 out of 100, Moderate$382.2M8.3%0.72%vs
Guaranty State Bank and Trust CompanyBank Beloit, KS72 out of 100, Strong$381.4M11.6%0.60%vs
ESB FinancialBank Emporia, KS59 out of 100, Moderate$381.3M9.1%1.58%vs
Bank of HaysBank Hays, KS75 out of 100, Strong$379.2M10.0%0.47%vs
Community First National BankBank Manhattan, KS77 out of 100, Strong$374.7M10.9%0.20%vs

Deposit insurance

Is my money safe at Mutual Savings Association?

Yes. Mutual Savings Association is an FDIC-insured institution (FDIC certificate #29988). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.6% of deposits ($29.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 23.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 32.95% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Mutual Savings Association lists 6 offices in 6 cities. Most locations:

  • Bonner Springs, KS (1)
  • Eudora, KS (1)
  • Lansing, KS (1)
  • Leavenworth, KS (1)
  • Oskaloosa, KS (1)
  • Tonganoxie, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
Mutual Savings Association
Former names
Mutual Savings Association, FSA; Mutual Savings and Loan Association
Type
Savings association
FDIC certificate #
29988
RSSD ID
636276
Primary regulator
FDIC
Established
January 1, 1888
Headquarters
100 S 4th St, Leavenworth, KS 66048
Employees
60

Quick answers

Mutual Savings Association: common questions

Is Mutual Savings Association FDIC insured?

Yes. Mutual Savings Association is an FDIC-insured institution (FDIC certificate #29988). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mutual Savings Association's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mutual Savings Association ever failed?

There is no failure record for FDIC certificate #29988 in the FDIC failed bank list.

How many branches does Mutual Savings Association have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Leavenworth

InstitutionScoreAssetsCapitalProblem loansCompare
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs
Sm Federal Credit UnionCredit union Mission, KS89 out of 100, Very strong$77.2M20.0%0.24%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
U S P L K Employees Federal Credit UnionCredit union Leavenworth, KS87 out of 100, Very strong$34.0M13.9%0.15%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs