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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 1.42%, up 28 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.20% of loans (+7 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.42%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+34 bps YoY

Efficiency Ratio (quarter, annualized)

59.07%-528 bps YoY

Tier 1 Leverage Ratio

9.61%+103 bps YoY

NIM

4.27%Q2 ’244.73%Q2 ’254.98%Q2 ’26+7%+10%

Non-interest income vs. expense

2.60%Q2 ’242.64%Q2 ’252.64%Q2 ’26+12%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%0.97%0.96%1.14%1.17%1.68%1.35%1.42%+28 bps
Return on Equity15.84%14.47%14.87%16.72%15.72%20.77%16.41%16.90%+19 bps
Net Interest Margin3.21%3.30%3.21%3.38%3.53%3.67%3.62%3.72%+34 bps
Efficiency Ratio65.22%67.82%68.44%64.36%63.24%56.40%59.57%59.07%-528 bps
Non-Interest Burden1.81%1.89%1.95%1.92%1.96%1.50%1.83%1.90%-2 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 / Loans0.02%0.01%0.01%0.01%0.01%0.01%0.00%0.02%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