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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 1.05%, down 60 bps year over year; NIM at 4.23%.
  • 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 (quarter, annualized)

1.05%-60 bps YoY

Net Interest Margin (quarter, annualized)

4.23%+25 bps YoY

Efficiency Ratio (quarter, annualized)

60.32%+464 bps YoY

Tier 1 Leverage Ratio

12.70%-1 bps YoY

NIM

5.33%Q2 ’245.80%Q2 ’255.95%Q2 ’26+13%+6%

Non-interest income vs. expense

2.71%Q2 ’242.86%Q2 ’252.83%Q2 ’26-20%+41%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.33%0.62%1.65%1.46%1.69%1.08%1.05%-60 bps
Return on Equity9.50%9.75%4.62%11.84%10.32%12.23%7.85%7.48%-436 bps
Net Interest Margin3.61%3.66%3.65%3.98%3.93%3.67%3.95%4.23%+25 bps
Efficiency Ratio58.96%64.40%74.15%55.68%61.06%61.45%65.74%60.32%+464 bps
Non-Interest Burden1.87%2.04%2.46%1.64%1.96%1.90%2.45%2.30%+66 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