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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 1.34%, up 77 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.28% of loans (-32 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.34%+77 bps YoY

Net Interest Margin (quarter, annualized)

4.55%+22 bps YoY

Efficiency Ratio (quarter, annualized)

65.59%-1,922 bps YoY

Tier 1 Leverage Ratio

9.51%+1 bps YoY

NIM

5.54%Q2 ’245.96%Q2 ’256.16%Q2 ’26+14%+5%

Non-interest income vs. expense

3.90%Q2 ’244.04%Q2 ’253.26%Q2 ’26+6%-21%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.45%0.82%0.57%1.11%0.78%1.55%1.34%+77 bps
Return on Equity5.83%5.28%9.57%6.49%12.54%8.49%16.91%14.89%+840 bps
Net Interest Margin3.94%3.96%4.10%4.33%4.41%4.56%4.61%4.55%+22 bps
Efficiency Ratio85.77%86.93%77.47%84.81%70.85%80.00%58.75%65.59%-1,922 bps
Non-Interest Burden3.29%3.36%3.06%3.60%2.98%3.55%2.61%2.82%-77 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 / Loans0.00%0.00%0.00%0.00%0.00%-0.02%0.04%0.00%0 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