Side-by-side · Q2 2026 data
Union State Bank vs The Liberty Savings Association, FSA
Bank
The Liberty Savings Association, FSA
Fort Scott, Kansas · Under $100 million in assets
Metric by metric
| Measure | Union State Bank | The Liberty Savings Association, FSA |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 63rd | 81st |
| Total assets | $73.8M | $28.2M |
| Deposits / shares | $65.2M | $21.2M |
| Capital ratio | 10.36% | 24.05% (stronger) |
| Problem loans | 0.18% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 2.91% (stronger) | 0.28% |
| Loans ÷ deposits | 86.6% | 43.0% (stronger) |
| Uninsured deposits | 24.6% | 7.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Liberty Savings Association, FSA has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 1 and The Liberty Savings Association, FSA on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.