The Liberty Savings Association, FSA
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Data as of · sourced from FFIEC call reports. How we update
The Liberty Savings Association, FSA is an FDIC-insured savings institution headquartered in Fort Scott, KS, established in 1919 (FDIC certificate 29857), and it is supervised by the OCC. At Q2 2026 it reported total assets of $28.2M, down 1.0% from Q2 2025, the 175th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 24.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29857
- Headquarters
- Fort Scott, KS
- Established
- 1919
- Total assets, Q2 2026
- $28.2M
- Assets vs Q2 2025
- -1.0%
- Tier 1 leverage ratio, Q2 2026
- 24.05%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 301170707
- Latest call report
- Q2 2026, FFIEC 051 · The Liberty Savings Association, FSA call report
- Asset rank in state
- 175th of 182 in Kansas
The Liberty Savings Association, FSA, based in Fort Scott, Kansas, reported $28 million in assets at June 30, 2026, down 1.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also shrank its loan book 12.0% over the year, lower than about 9 in 10 banks its size (median 2.6%).
The balance sheet shrank over the year: over the year loans fell 12.0% and deposits fell 1.4%. Unrealized losses on its securities total $1.2 million, equal to 18% of Tier 1 capital, against 20% a year earlier. Profitability lags: it returns 1.4% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, The Liberty Savings Association, FSA reported a return on assets of 0.34%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Liberty Savings Association, FSA is the 175th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $28.2M, loans fell 9.4% and deposits fell 1.0%. 1-4 family residential loans made up 81.6% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 5.4%. The FDIC Summary of Deposits lists a single office for it, in Fort Scott, KS. Judged on its Q2 2026 call report, The Liberty Savings Association, FSA meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 24 S Judson St, Fort Scott, KS 66701
- County
- Bourbon
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- The Liberty Savings Association, FSA (1993); The Liberty Savings and Loan Association (1988-1993)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $21.2M
- Allowance for credit losses
- $69K
- Net charge-offs (YTD)
- $0
- Average total assets
- $28.5M
- Average total loans
- $9.9M
- Average interest-bearing deposits
- $21.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29857
- Fed RSSD
- 987576
- Website
- www.libertysavingsfsa.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Liberty Savings Association, FSA reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Liberty Savings Association, FSA's total assets ranged from $27.9M (Q4 2025) to $31.5M (Q3 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$28.2M total assets against $28.5M; $21.3M total liabilities against $21.6M.
$9.1M net loans and leases against $10.4M; $21.2M total deposits against $21.5M.
$15.1M securities against $13.8M; $3.6M cash and balances due against $4.0M.
$286K total interest income against $287K; $65K total interest expense against $67K.
$221K net interest income against $220K.
$3K total noninterest income against $4K; $199K total noninterest expense against $193K.
$0 provision for credit losses against $0.
$24K net income against $28K.
0.34% return on assets against 0.39%; 3.14% net interest margin against 3.12%.
24.05% tier 1 leverage ratio against 23.75%.
Inside the full The Liberty Savings Association, FSA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Liberty Savings Association, FSA rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.49% (Q4 2025) to 0.49% (Q1 2025) and its net interest margin ran from 2.90% (Q4 2024) to 3.15% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.05% | 0.34% | 0.00% | 0.00% | 3.14% |
| Q1 2026 | 24.20% | 0.21% | 0.00% | 0.00% | 3.07% |
| Q4 2025 | 24.02% | -0.49% | 0.00% | 0.00% | 3.15% |
| Q3 2025 | 24.09% | 0.13% | 0.00% | 0.00% | 3.13% |
| Q2 2025 | 23.75% | 0.39% | 0.00% | 0.00% | 3.12% |
| Q1 2025 | 23.82% | 0.49% | 0.00% | 0.00% | 3.13% |
| Q4 2024 | 23.41% | -0.35% | 0.00% | 0.00% | 2.90% |
| Q3 2024 | 23.19% | 0.46% | 0.00% | 0.00% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Liberty Savings Association, Fsa | Fort Scott , KS | 66701 | $21.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- November 6, 1991, OCC (former OTS): Supervisory Agreement: The Liberty Savings and Loan Association
- Period: Most recent institution action November 6, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KS, rank 217 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Liberty Savings Association, FSA
What are The Liberty Savings Association, FSA's total assets?
As of the Q2 2026 filing, The Liberty Savings Association, FSA reported total assets of $28.2 million in its FFIEC call report.
Where is The Liberty Savings Association, FSA headquartered?
It is headquartered in Fort Scott, KS, United States.
When was The Liberty Savings Association, FSA founded?
It was established in 1919, per the FDIC institution directory.
Is The Liberty Savings Association, FSA FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Liberty Savings Association, FSA?
The Liberty Savings Association, FSA's primary federal regulator is the OCC.
How many branches does The Liberty Savings Association, FSA operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Liberty Savings Association, FSA's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Liberty Savings Association, FSA previously called?
The charter now named The Liberty Savings Association, FSA has also operated as The Liberty Savings Association, FSA (1993), The Liberty Savings and Loan Association (1988-1993), per FDIC structure-change records.
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