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Lyons Federal Bank

Lyons, KS · Cert 27727

State savings bank · OCC · 4 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=97). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

38

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

Lyons Federal Bank

Lyons, KS · Cert 27727

State savings bank · OCC · 4 branches

Q2 2026

$197.6MAssets
$145.9MLoans
$166.7MDeposits
$27.5MEquity
Loan mix
87%RE $97.7M9%C&I $9.6M5%Consumer $5.1MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $142.1M15%Noninterest $24.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.06%, down 7 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.23% of loans (+18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.70%, down 1 bps from a year ago.
  • Funding: loans stand at 87.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+28 bps YoY

Efficiency Ratio (YTD, annualized)

62.85%-122 bps YoY

Tier 1 Leverage Ratio

12.70%-1 bps YoY

NIM

5.21%Q2 ’245.58%Q2 ’255.81%Q2 ’26+8%+7%

Non-interest income vs. expense

2.55%Q2 ’243.01%Q2 ’252.77%Q2 ’26-1%+17%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.18%0.62%1.13%1.24%1.35%1.08%1.06%-7 bps
Return on Equity8.31%8.68%4.62%8.26%8.96%9.81%7.85%7.66%-59 bps
Net Interest Margin3.53%3.45%3.65%3.77%3.78%3.58%3.95%4.06%+28 bps
Efficiency Ratio61.98%62.65%74.15%64.06%63.03%62.63%65.74%62.85%-122 bps
Non-Interest Burden1.98%1.91%2.46%2.02%1.98%1.87%2.45%2.35%+33 bps
Growth
Asset Growth (YoY)7.14%7.77%8.41%8.46%10.03%9.42%9.99%10.70%+225 bps
Loan Growth (YoY)12.64%12.75%16.70%12.79%10.68%11.40%12.08%10.63%-215 bps
Deposit Growth (YoY)3.92%7.69%8.23%8.67%13.48%9.72%10.25%12.30%+363 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.15%0.08%0.06%0.07%0.10%0.23%0.23%+18 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.30%1.29%1.29%1.29%1.31%1.30%1.28%1.28%-1 bps
Allowance Coverage of NPLs8.5x8.8x15.7x23.4x19.6x12.6x5.4x5.6x-17.8x
Capital
Tier 1 Leverage Ratio14.46%12.36%12.58%12.71%12.86%12.50%12.66%12.70%-1 bps
Total Risk-Based Capital14.46%12.36%12.58%12.71%12.86%12.50%12.66%12.70%-1 bps
Equity / Assets14.31%13.09%13.96%13.98%14.33%13.30%14.17%13.94%-4 bps
Liquidity & Funding
Loans / Deposits89.91%77.35%86.92%88.86%87.69%78.54%88.36%87.54%-132 bps
Liquid Assets / Assets8.68%14.95%9.08%11.47%13.18%19.31%14.42%12.44%+97 bps
CRE / Total Capitaln/an/an/an/a42.11%40.77%52.17%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

Lyons Federal Bank

Lyons, KS · Cert 27727 · Peer group: banks under $1B in assets in KS (n=97)

State savings bank · OCC · 4 branches

Q2 2026

$197.6MAssets
$145.9MLoans
$166.7MDeposits
$27.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 97).
  • Widest gap: return on equity trails 86% of banks under $1B in assets in KS (rank 83 of 97).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 69 of 97

Net Interest Margin

4.06%

Rank 22 of 97

Efficiency Ratio

62.85%

Rank 61 of 97

Equity / Assets

13.94%

Rank 19 of 97

Non-interest income vs. expense

$0.8M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 38% of banks under $1B in assets in KS
Bank 62.85%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%1.03%1.23%1.54%Beats 29%69 / 97
Return on Equity7.52%8.85%11.53%14.73%Beats 14%83 / 97
Net Interest Margin4.06%3.24%3.62%3.91%Beats 77%22 / 97
Efficiency Ratio62.85%52.19%58.88%64.74%Beats 38%61 / 97
Asset Quality
Nonperforming Loans / Loans0.23%0.01%0.33%1.05%Beats 59%41 / 97
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 97
Capital
Tier 1 Capital Ratio12.70%11.81%13.71%17.33%Beats 38%60 / 97
Total Risk-Based Capital Ratio12.70%11.81%14.13%17.45%Beats 33%65 / 97
Equity / Assets13.94%8.60%11.33%13.10%Beats 80%19 / 97
Liquidity & Funding
Loans / Deposits87.54%57.09%69.84%82.47%84th pctl16 / 97
Loans / Assets73.86%49.34%58.25%68.94%88th pctl12 / 97
Brokered Deposits / Depositsn/aNot reported for this institution