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
Unfavorable gap of $3.0M · efficiency ratio beats 54% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.72% | 1.06% | 1.45% | Beats 71% | 215 / 746 | | |
| Return on Equity | 15.46% | 6.74% | 10.51% | 13.63% | Beats 85% | 110 / 746 | | |
| Net Interest Margin | 4.45% | 3.17% | 3.68% | 4.16% | Beats 85% | 110 / 746 | | |
| Efficiency Ratio | 63.22% | 55.74% | 64.58% | 75.47% | Beats 54% | 344 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.09% | 0.42% | 1.07% | Beats 60% | 296 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 49% | 382 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 11.55% | 13.75% | 17.60% | Beats 36% | 479 / 746 | | |
| Total Risk-Based Capital Ratio | 13.37% | 11.71% | 14.33% | 18.43% | Beats 41% | 437 / 746 | | |
| Equity / Assets | 8.95% | 8.90% | 10.51% | 13.06% | Beats 26% | 551 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 115.00% | 61.31% | 78.27% | 90.78% | 98th pctl | 15 / 746 | | |
| Loans / Assets | 85.00% | 53.60% | 66.97% | 76.08% | 95th pctl | 35 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |