Mutual Savings Association
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Mutual Savings Association is an FDIC-insured savings and loan association headquartered in Leavenworth, KS, established in 1888 (FDIC certificate 29988), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $398.6M, up 7.2% from Q2 2025, the 53rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 31.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29988
- Headquarters
- Leavenworth, KS
- Established
- 1888
- Total assets, Q2 2026
- $398.6M
- Assets vs Q2 2025
- +7.2%
- CET1 ratio, Q2 2026
- 31.86%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 301170956
- Asset rank in state
- 53rd of 182 in Kansas
Mutual Savings Association carries far more capital than most banks of its size. Based in Leavenworth, Kansas, it had $399 million in assets at June 30, 2026, up 7.2% from a year earlier. It holds common equity equal to 31.86% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 14.5% over the year, 2.7 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 14.5% and deposits rose 5.5%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.11% of loans, down from 1.27% a year earlier. Funding is the softer spot: it pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Mutual Savings Association reported a CET1 capital ratio of 31.86%, a return on assets of 1.55%, a nonperforming-loan ratio of 1.11% and a Texas ratio of 3.38%. The figures come from its call report filed with the FFIEC.
Mutual Savings Association ranks as the 53rd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $398.6M, loans rose 1.1% and deposits fell 1.5%. 1-4 family residential loans made up 47.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 25.6%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in KS; its Leavenworth office books 50% of its branch deposits. Judged on its Q2 2026 call report, Mutual Savings Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S 4th St, Leavenworth, KS 66048
- County
- Leavenworth
- Metro Area
- Kansas City, MO-KS
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- 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, 1888
- Former names
- Mutual Savings Association, FSA (1993-2018)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $255.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$20K
- Average total assets
- $400.7M
- Average total loans
- $276.2M
- Average interest-bearing deposits
- $231.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29988
- Fed RSSD
- 636276
- Website
- www.msa.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Mutual Savings Association's total assets moved between a low of $344.6M (Q3 2023) and a high of $402.7M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$398.6M total assets against $371.9M; $306.1M total liabilities against $286.5M.
$274.2M net loans and leases against $239.5M; $255.7M total deposits against $242.4M.
$85.2M securities against $94.7M; $4.1M cash and balances due against $4.8M.
$5.6M total interest income against $5.1M; $1.8M total interest expense against $1.8M.
$3.7M net interest income against $3.3M.
$945K total noninterest income against $945K; $2.6M total noninterest expense against $2.2M.
$119K provision for credit losses against $93K.
$1.6M net income against $1.5M.
1.55% return on assets against 1.61%; 4.17% net interest margin against 3.98%.
31.86% CET1 capital ratio against 33.10%; 23.84% tier 1 leverage ratio against 24.18%.
Inside the full Mutual Savings Association 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Mutual Savings Association rankings
Its closest position to the top of a national ranking is 62 of 2,134, for CET1 ratio; its furthest is 2,053 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.06% (Q4 2025) to 1.63% (Q4 2024) and its net interest margin ran from 3.83% (Q4 2025) to 4.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.86% | 1.55% | 1.11% | 3.38% | 4.17% |
| Q1 2026 | 31.87% | 1.62% | 1.16% | 3.39% | 4.06% |
| Q4 2025 | 30.82% | 1.06% | 0.44% | 1.32% | 3.83% |
| Q3 2025 | 32.90% | 1.57% | 1.26% | 3.50% | 3.98% |
| Q2 2025 | 33.10% | 1.61% | 1.27% | 3.49% | 3.98% |
| Q1 2025 | 34.09% | 1.49% | 0.45% | 1.24% | 3.99% |
| Q4 2024 | 33.36% | 1.63% | 0.25% | 0.66% | 3.97% |
| Q3 2024 | 33.26% | 1.41% | 0.25% | 0.66% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → 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 |
|---|---|---|---|
| Mutual Savings Association (main office) | Leavenworth , KS | 66048 | $127.7M |
| Lansing Branch | Lansing , KS | 66043 | $37.8M |
| 515 Delaware Branch | Oskaloosa , KS | 66066 | $31.8M |
| 403 East 4th Street Branch | Tonganoxie , KS | 66086 | $28.8M |
| Bonner Springs Branch | Bonner Springs , KS | 66012 | $16.5M |
| 8th & Main Branch | Eudora , KS | 66025 | $13.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 23, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mutual SA, Fsa
- Period: Most recent institution action January 23, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 90 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 Mutual Savings Association
What are Mutual Savings Association's total assets?
As of the Q2 2026 filing, Mutual Savings Association reported total assets of $398.6 million in its FFIEC call report.
Where is Mutual Savings Association headquartered?
It is headquartered in Leavenworth, KS, United States.
When was Mutual Savings Association founded?
It was established in 1888, per the FDIC institution directory.
Is Mutual Savings Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29988). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mutual Savings Association?
Mutual Savings Association's primary federal regulator is the FDIC.
What is Mutual Savings Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mutual Savings Association operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mutual Savings Association's Texas Ratio?
Its Texas Ratio is 3.38% 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 Mutual Savings Association previously called?
The charter now named Mutual Savings Association has also operated as Mutual Savings Association, FSA (1993-2018), per FDIC structure-change records.
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