The Liberty Savings Association, FSA: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 4.02 percentage points in Q2 2026, from 47.34% to 43.32%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Liberty Savings Association, FSA is 14th from the bottom among 182 Kansas banks, 43.32% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The Liberty Savings Association, FSA sits 24.60 points lower, at 43.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.2M |
| Net loans and leases | $9.1M |
| Loans held for sale | $0 |
| Loans to total assets | 32.67% |
| Loan-to-deposit ratio | 43.32% |
| Net loans to equity capital | 1.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.95% |
| Consumer | 8.02% |
| Credit cards | 0.00% |
| Farm | 3.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.55% |
| Construction concentration (Tier 1 capital + allowance) | 2.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.86% |
| Interest income on loans | $147K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $10.4M | $24.8M | 1.39% | 5.49% | 9.83% |
| Q4 2023 | $10.7M | $23.8M | 1.31% | 5.31% | 10.17% |
| Q1 2024 | $10.6M | $22.9M | 1.23% | 5.08% | 10.25% |
| Q2 2024 | $10.5M | $22.3M | 1.23% | 4.80% | 10.10% |
| Q3 2024 | $10.5M | $22.0M | 1.20% | 4.31% | 9.73% |
| Q4 2024 | $10.4M | $21.4M | 1.18% | 4.36% | 9.54% |
| Q1 2025 | $10.2M | $21.6M | 1.18% | 4.95% | 9.58% |
| Q2 2025 | $10.5M | $21.5M | 1.11% | 4.66% | 8.98% |
| Q3 2025 | $10.4M | $21.3M | 1.07% | 4.79% | 7.70% |
| Q4 2025 | $10.2M | $21.0M | 1.06% | 4.73% | 8.20% |
| Q1 2026 | $10.2M | $21.5M | 1.02% | 4.58% | 8.15% |
| Q2 2026 | $9.2M | $21.2M | 1.09% | 0.95% | 8.02% |
The Liberty Savings Association, FSA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Liberty Savings Association, FSA, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Liberty Savings Association, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29857) · FFIEC NIC profile (RSSD 987576)