Headquartered in Fort Scott, Kansas, The Liberty Savings Association, FSA is a savings bank with $28.2M in total assets and $21.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1919.
The Liberty Savings Association, FSA has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 28th. Capital cushion contributes the most (100/100, 24.05%); earnings contributes the least (31/100, 0.28%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 2 points (88 → 86), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 88 |
| Q4 2024 | 87 |
| Q1 2025 | 88 |
| Q2 2025 | 88 |
| Q3 2025 | 87 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 22.83% |
| Q3 2024 | 23.19% |
| Q4 2024 | 23.41% |
| Q1 2025 | 23.82% |
| Q2 2025 | 23.75% |
| Q3 2025 | 24.09% |
| Q4 2025 | 24.02% |
| Q1 2026 | 24.20% |
| Q2 2026 | 24.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $28.2M | 24.05% | 0.00% | 0.28% | 43.0% |
| Q1 2026 | 86 | $28.3M | 24.20% | 0.00% | 0.21% | 47.0% |
| Q4 2025 | 85 | $27.9M | 24.02% | 0.00% | 0.13% | 48.1% |
| Q3 2025 | 87 | $28.2M | 24.09% | 0.00% | 0.34% | 48.7% |
| Q2 2025 | 88 | $28.5M | 23.75% | 0.00% | 0.44% | 48.2% |
| Q1 2025 | 88 | $28.5M | 23.82% | 0.00% | 0.49% | 46.8% |
| Q4 2024 | 87 | $28.2M | 23.41% | 0.00% | 0.32% | 48.2% |
| Q3 2024 | 88 | $28.9M | 23.19% | 0.00% | 0.53% | 47.3% |
| Q2 2024 | 89 | $29.1M | 22.83% | 0.00% | 0.56% | 46.6% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State BankBank Fairview, KS | 75 out of 100, Strong | $26.6M | 10.2% | 0.66% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| The Peoples State BankBank Cherryvale, KS | 89 out of 100, Very strong | $23.5M | 19.8% | 0.33% | vs |
| The Dickinson County BankBank Enterprise, KS | 73 out of 100, Strong | $23.4M | 13.7% | 2.09% | vs |
| Marquette Farmers State Bank of MarquetteBank Marquette, KS | 65 out of 100, Moderate | $33.6M | 17.5% | 5.22% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
Deposit insurance
Is my money safe at The Liberty Savings Association, FSA?
Yes. The Liberty Savings Association, FSA is an FDIC-insured institution (FDIC certificate #29857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.0% of deposits ($1.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 24.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Liberty Savings Association, FSA lists 1 office in 1 city. Most locations:
- Fort Scott, KS (1)
Identity & history
Profile
- Legal name
- The Liberty Savings Association, FSA
- Former names
- Liberty Savings and Loan Association; The Liberty Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29857
- RSSD ID
- 987576
- Primary regulator
- OCC
- Established
- January 1, 1919
- Headquarters
- 24 S Judson St, Fort Scott, KS 66701
- Website
- www.libertysavingsfsa.com
- Employees
- 4
Quick answers
The Liberty Savings Association, FSA: common questions
Is The Liberty Savings Association, FSA FDIC insured?
Yes. The Liberty Savings Association, FSA is an FDIC-insured institution (FDIC certificate #29857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Liberty Savings Association, FSA's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Liberty Savings Association, FSA ever failed?
There is no failure record for FDIC certificate #29857 in the FDIC failed bank list.
How many branches does The Liberty Savings Association, FSA have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Scott
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metz Banking CompanyBank Nevada, MO | 85 out of 100, Very strong | $117.3M | 11.6% | 0.00% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| Kansas Teachers Community Credit UnionCredit union Pittsburg, KS | 83 out of 100, Strong | $125.3M | 15.3% | 1.24% | vs |
| The First National Bank of Nevada, MissouriBank Nevada, MO | 82 out of 100, Strong | $122.2M | 16.1% | 0.95% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| Union State BankBank Uniontown, KS | 79 out of 100, Strong | $73.8M | 10.4% | 0.18% | vs |