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
Unfavorable gap of $4.0M · efficiency ratio beats 46% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 1.03% | 1.24% | 1.54% | Beats 59% | 40 / 98 | | |
| Return on Equity | 15.91% | 8.85% | 11.58% | 14.73% | Beats 81% | 19 / 98 | | |
| Net Interest Margin | 3.65% | 3.24% | 3.62% | 3.91% | Beats 53% | 46 / 98 | | |
| Efficiency Ratio | 59.32% | 51.87% | 58.88% | 64.74% | Beats 46% | 54 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.01% | 0.33% | 1.05% | Beats 61% | 39 / 98 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 45% | 55 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 19.05% | 11.81% | 13.71% | 17.33% | Beats 82% | 18 / 98 | | |
| Total Risk-Based Capital Ratio | 20.31% | 11.81% | 14.13% | 17.45% | Beats 84% | 16 / 98 | | |
| Equity / Assets | 8.68% | 8.60% | 11.34% | 13.10% | Beats 26% | 73 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.04% | 57.09% | 69.84% | 82.47% | 68th pctl | 31 / 98 | | |
| Loans / Assets | 69.07% | 49.34% | 58.31% | 68.94% | 76th pctl | 24 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |