MUTUAL SAVINGS ASSOCIATION

LEAVENWORTH, KS · Supervised by FDIC

Est. 1888FDIC #29,988RSSD: FDIC-29988

Satisfactory

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.64%

Institution Profile

FDIC BankFind

Website

www.msa.bank

Address

100 S 4th St, LEAVENWORTH, KS

County

Leavenworth County

Established

January 1, 1888

Total Assets

$397M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$397M

Total Deposits

$260M

Net Loans

$271M

Net Income

$2M

ROA

1.64%

ROE

7.30%

Risk-Based Capital

32.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.81%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$242M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	128	75%	7.81%
2023	128	78.13%	13.28%
2022	171	76.02%	11.70%
2021	275	85.09%	9.45%
2020	417	89.69%	5.76%
2019	204	82.84%	7.35%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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