Bank Comparison
Lyndon State Bank, the vs Community Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lyndon State Bank, the | Community Savings Bank |
|---|---|---|
| CET1 Ratio | 12.71% | — |
| Tier 1 Capital Ratio | 12.71% | — |
| Total Capital Ratio | 13.67% | — |
| Tier 1 Leverage Ratio | 9.91% | 14.56% |
| Equity / Assets | 9.03% | 14.29% |
Profitability
| Metric | Lyndon State Bank, the | Community Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 0.32% |
| Return on Equity (ROE) | 20.83% | 2.20% |
| Net Interest Margin (NIM) | 4.82% | 3.52% |
| Yield on Earning Assets | 6.45% | 5.82% |
| Cost of Funds | 1.73% | 2.58% |
Asset quality
| Metric | Lyndon State Bank, the | Community Savings Bank |
|---|---|---|
| Texas Ratio | 3.00% | 0.58% |
| Non-Performing Loan Ratio | 0.10% | 0.10% |
| Non-Performing Asset Ratio | 0.08% | 0.09% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 0.85% | 0.47% |
Balance sheet
| Metric | Lyndon State Bank, the | Community Savings Bank |
|---|---|---|
| Total Assets | $111,391K | $111,074K |
| Total Deposits | $82,574K | $83,503K |
| Total Loans | $94,189K | $92,013K |
| Total Equity | $10,063K | $15,870K |
| Net Income (quarter) | $515 | $87 |
Liquidity & funding
| Metric | Lyndon State Bank, the | Community Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 114.07% | 110.19% |
| Core Deposit Ratio | 94.52% | 91.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lyndon State Bank, the | Community Savings Bank |
|---|---|---|
| Headquarters City | LYNDON | BETHEL |
| Headquarters State | KS | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 20 | 17 |
| Established | Aug. 1, 1901, midnight | April 6, 1889, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Lyndon State Bank, the profile | View full Community Savings Bank profile | Browse all bank comparisons