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Lyndon State Bank, The

Lyndon, KS · Cert 12135 · CMJR Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lyndon State Bank, The

Lyndon, KS · Cert 12135 · CMJR Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$115.1MAssets
$97.9MLoans
$85.1MDeposits
$10.3MEquity
Loan mix
89%RE $72.1M8%C&I $6.2M3%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $61.1M28%Noninterest $24.0MQ3 2024Q2 2026

Market Position · Topeka, KS · 2026 SOD (annual) · 1.2% share · #17 of 30 inst. · $0.1B of $7.1B

20.8% Osage
0.1% Shawnee

Executive Summary

  • Earnings: ROA of 1.44%, up 75 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.28% of loans (-32 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.51%, up 1 bps from a year ago.
  • Funding: loans stand at 115.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.44%+75 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+24 bps YoY

Efficiency Ratio (YTD, annualized)

62.25%-1,895 bps YoY

Tier 1 Leverage Ratio

9.51%+1 bps YoY

NIM

5.33%Q2 ’245.86%Q2 ’255.98%Q2 ’26+13%+6%

Non-interest income vs. expense

3.76%Q2 ’243.81%Q2 ’253.07%Q2 ’26+2%-21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.42%0.82%0.69%0.83%0.82%1.55%1.44%+75 bps
Return on Equity4.84%4.98%9.57%8.01%9.56%9.30%16.91%15.89%+788 bps
Net Interest Margin3.83%3.87%4.10%4.21%4.25%4.32%4.61%4.45%+24 bps
Efficiency Ratio88.15%87.84%77.47%81.20%77.65%78.26%58.75%62.25%-1,895 bps
Non-Interest Burden3.30%3.32%3.06%3.32%3.19%3.27%2.61%2.64%-68 bps
Growth
Asset Growth (YoY)4.44%8.96%2.50%5.54%6.30%2.40%9.98%10.76%+522 bps
Loan Growth (YoY)5.68%8.16%5.98%9.42%9.07%7.78%12.26%12.16%+274 bps
Deposit Growth (YoY)3.14%7.63%8.24%4.69%4.57%-1.05%1.86%6.32%+163 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.56%0.21%0.61%0.67%0.46%0.33%0.28%-32 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%-0.01%0.04%0.02%+2 bps
Allowance / Loans1.02%0.98%0.96%0.92%0.93%0.92%0.85%0.83%-10 bps
Allowance Coverage of NPLs3.3x1.8x4.6x1.5x1.4x2.0x2.6x2.9x+1.4x
Capital
Tier 1 Leverage Ratio9.42%9.62%9.42%9.50%9.57%9.79%9.91%9.51%+1 bps
Total Risk-Based Capital14.02%13.74%13.90%13.62%14.12%14.07%13.67%13.37%-26 bps
Equity / Assets8.82%8.31%8.76%8.71%9.04%9.28%9.03%8.95%+24 bps
Liquidity & Funding
Loans / Deposits105.29%105.22%103.50%109.02%109.82%114.61%114.07%115.00%+598 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a82.87%79.99%77.87%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lyndon State Bank, The

Lyndon, KS · Cert 12135 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CMJR Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$115.1MAssets
$97.9MLoans
$85.1MDeposits
$10.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 85% of banks under $1B in assets operating in a single state (rank 110 of 746).
  • Widest gap: equity / assets trails 74% of banks under $1B in assets operating in a single state (rank 551 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 215 of 746

Net Interest Margin

4.45%

Rank 110 of 746

Efficiency Ratio

63.22%

Rank 344 of 746

Equity / Assets

8.95%

Rank 551 of 746

Non-interest income vs. expense

$0.5M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 54% of banks under $1B in assets operating in a single state
Bank 63.22%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.38%0.72%1.06%1.45%Beats 71%215 / 746
Return on Equity15.46%6.74%10.51%13.63%Beats 85%110 / 746
Net Interest Margin4.45%3.17%3.68%4.16%Beats 85%110 / 746
Efficiency Ratio63.22%55.74%64.58%75.47%Beats 54%344 / 746
Asset Quality
Nonperforming Loans / Loans0.28%0.09%0.42%1.07%Beats 60%296 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 49%382 / 743
Capital
Tier 1 Capital Ratio12.44%11.55%13.75%17.60%Beats 36%479 / 746
Total Risk-Based Capital Ratio13.37%11.71%14.33%18.43%Beats 41%437 / 746
Equity / Assets8.95%8.90%10.51%13.06%Beats 26%551 / 746
Liquidity & Funding
Loans / Deposits115.00%61.31%78.27%90.78%98th pctl15 / 746
Loans / Assets85.00%53.60%66.97%76.08%95th pctl35 / 746
Brokered Deposits / Depositsn/aNot reported for this institution