LYON COUNTY STATE BANK, THE

EMPORIA, KS | Small | Est. June 27, 1913, midnight | FDIC #14952 | RSSD #796657 | FDIC
Latest Report: 2025-12-31

LYON COUNTY STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in EMPORIA, KS, established in June 27, 1913, midnight. As of 2025-12-31, the bank reported total assets of $214M and total deposits of $185M. Profitability stands at 2.04% ROA and 25.24% ROE, with a net interest margin of 4.06%. The bank's CET1 capital ratio is 18.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.92%. FDIC Certificate #14952.

Assets

$214M

Deposits

$185M

Loans

$142M

Equity

$18M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 25.24%
Net Interest Margin (NIM) 4.06%
Yield on Assets 5.51%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.92%
NPA Ratio 0.09%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 18.69%
Tier 1 Capital 18.69%
Total Capital Ratio 19.95%
Leverage Ratio 9.34%
Loan-to-Deposit 76.85%

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