Lyons Federal Bank
Lyons, KS · Cert 27727 · Peer group: banks under $1B in assets in KS (n=98)
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 98).
- Widest gap: return on equity trails 86% of banks under $1B in assets in KS (rank 84 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 70 of 98
Net Interest Margin
4.06%
Rank 22 of 98
Efficiency Ratio
62.85%
Rank 62 of 98
Equity / Assets
13.94%
Rank 19 of 98
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 38% 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 | 1.05% | 1.03% | 1.24% | 1.54% | Beats 29% | 70 / 98 | | |
| Return on Equity | 7.52% | 8.85% | 11.58% | 14.73% | Beats 14% | 84 / 98 | | |
| Net Interest Margin | 4.06% | 3.24% | 3.62% | 3.91% | Beats 78% | 22 / 98 | | |
| Efficiency Ratio | 62.85% | 51.87% | 58.88% | 64.74% | Beats 38% | 62 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.01% | 0.33% | 1.05% | Beats 59% | 41 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 11.81% | 13.71% | 17.33% | Beats 38% | 61 / 98 | | |
| Total Risk-Based Capital Ratio | 12.70% | 11.81% | 14.13% | 17.45% | Beats 33% | 66 / 98 | | |
| Equity / Assets | 13.94% | 8.60% | 11.34% | 13.10% | Beats 81% | 19 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.54% | 57.09% | 69.84% | 82.47% | 84th pctl | 16 / 98 | | |
| Loans / Assets | 73.86% | 49.34% | 58.31% | 68.94% | 88th pctl | 12 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |