LYNDON STATE BANK, THE

LYNDON, KS | Small | Est. Aug. 1, 1901, midnight | FDIC #12135 | RSSD #136655 | FDIC
Latest Report: 2025-12-31

LYNDON STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in LYNDON, KS, established in Aug. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $105M and total deposits of $77M. Profitability stands at 0.96% ROA and 10.46% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 13.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 1.03%. FDIC Certificate #12135.

Assets

$105M

Deposits

$77M

Loans

$89M

Equity

$10M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 10.46%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.69%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.03%
NPA Ratio 0.10%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 13.04%
Tier 1 Capital 13.04%
Total Capital Ratio 14.07%
Leverage Ratio 9.79%
Loan-to-Deposit 114.61%

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