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Lyon County State Bank, The

Emporia, KS · Cert 14952 · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 in KS (n=98). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

46

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

Lyon County State Bank, The

Emporia, KS · Cert 14952 · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 2 branches (14 in holding)

Q2 2026

$212.5MAssets
$146.8MLoans
$183.4MDeposits
$18.4MEquity
Loan mix
92%RE $129.3M5%C&I $6.7M3%Consumer $3.9MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $139.5M24%Noninterest $43.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.38%, up 33 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.20% of loans (+7 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.61%, up 103 bps from a year ago.
  • Funding: loans stand at 80.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.38%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+41 bps YoY

Efficiency Ratio (YTD, annualized)

59.32%-702 bps YoY

Tier 1 Leverage Ratio

9.61%+103 bps YoY

NIM

4.21%Q2 ’244.58%Q2 ’254.88%Q2 ’26+5%+12%

Non-interest income vs. expense

2.59%Q2 ’242.64%Q2 ’252.62%Q2 ’26+10%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.02%0.96%1.05%1.10%1.25%1.35%1.38%+33 bps
Return on Equity16.56%16.31%14.87%15.80%15.73%17.19%16.41%16.49%+69 bps
Net Interest Margin3.11%3.08%3.21%3.24%3.38%3.38%3.62%3.65%+41 bps
Efficiency Ratio65.55%66.18%68.44%66.34%65.27%62.67%59.57%59.32%-702 bps
Non-Interest Burden1.75%1.74%1.95%1.91%1.95%1.80%1.83%1.85%-5 bps
Growth
Asset Growth (YoY)5.50%2.62%6.41%9.08%5.74%8.54%2.30%2.34%-674 bps
Loan Growth (YoY)17.10%12.14%19.13%16.70%10.48%11.58%7.04%6.88%-982 bps
Deposit Growth (YoY)2.98%2.01%6.00%8.79%8.31%9.75%3.43%3.37%-542 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.15%0.14%0.13%0.13%0.13%0.12%0.20%+7 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.01%0.01%0.00%0.01%0 bps
Allowance / Loans1.31%1.39%1.34%1.33%1.32%1.33%1.35%1.34%+1 bps
Allowance Coverage of NPLs19.1x9.3x9.8x10.0x10.4x10.4x11.4x6.6x-3.4x
Capital
Tier 1 Leverage Ratio8.79%8.29%8.51%8.57%9.08%9.34%9.30%9.61%+103 bps
Total Risk-Based Capital18.25%18.23%18.04%18.48%19.22%19.95%19.82%20.31%+183 bps
Equity / Assets7.12%6.36%6.55%7.07%7.84%8.33%8.12%8.68%+161 bps
Liquidity & Funding
Loans / Deposits76.05%75.58%75.57%77.41%77.57%76.85%78.21%80.04%+263 bps
Liquid Assets / Assets0.58%2.76%0.24%0.24%0.24%0.23%0.24%0.24%0 bps
CRE / Total Capitaln/an/an/an/a281%277%285%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

Lyon County State Bank, The

Emporia, KS · Cert 14952 · Peer group: banks under $1B in assets in KS (n=98) · Ottawa Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 2 branches (14 in holding)

Q2 2026

$212.5MAssets
$146.8MLoans
$183.4MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 84% of banks under $1B in assets in KS (rank 16 of 98).
  • Widest gap: equity / assets trails 74% of banks under $1B in assets in KS (rank 73 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 40 of 98

Net Interest Margin

3.65%

Rank 46 of 98

Efficiency Ratio

59.32%

Rank 54 of 98

Equity / Assets

8.68%

Rank 73 of 98

Non-interest income vs. expense

$1.7M$5.6MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 46% of banks under $1B in assets in KS
Bank 59.32%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.38%1.03%1.24%1.54%Beats 59%40 / 98
Return on Equity15.91%8.85%11.58%14.73%Beats 81%19 / 98
Net Interest Margin3.65%3.24%3.62%3.91%Beats 53%46 / 98
Efficiency Ratio59.32%51.87%58.88%64.74%Beats 46%54 / 98
Asset Quality
Nonperforming Loans / Loans0.20%0.01%0.33%1.05%Beats 61%39 / 98
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 45%55 / 98
Capital
Tier 1 Capital Ratio19.05%11.81%13.71%17.33%Beats 82%18 / 98
Total Risk-Based Capital Ratio20.31%11.81%14.13%17.45%Beats 84%16 / 98
Equity / Assets8.68%8.60%11.34%13.10%Beats 26%73 / 98
Liquidity & Funding
Loans / Deposits80.04%57.09%69.84%82.47%68th pctl31 / 98
Loans / Assets69.07%49.34%58.31%68.94%76th pctl24 / 98
Brokered Deposits / Depositsn/aNot reported for this institution