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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 1.38%, 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