Bank Comparison
Lyndon State Bank, the vs Legacy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lyndon State Bank, the | Legacy Bank |
|---|---|---|
| CET1 Ratio | 12.71% | — |
| Tier 1 Capital Ratio | 12.71% | — |
| Total Capital Ratio | 13.67% | — |
| Tier 1 Leverage Ratio | 9.91% | 9.43% |
| Equity / Assets | 9.03% | 9.07% |
Profitability
| Metric | Lyndon State Bank, the | Legacy Bank |
|---|---|---|
| Return on Assets (ROA) | 1.91% | -2.82% |
| Return on Equity (ROE) | 20.83% | -28.88% |
| Net Interest Margin (NIM) | 4.82% | 3.86% |
| Yield on Earning Assets | 6.45% | 6.80% |
| Cost of Funds | 1.73% | 3.13% |
Asset quality
| Metric | Lyndon State Bank, the | Legacy Bank |
|---|---|---|
| Texas Ratio | 3.00% | 13.04% |
| Non-Performing Loan Ratio | 0.10% | 1.87% |
| Non-Performing Asset Ratio | 0.08% | 1.30% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 0.85% | 1.28% |
Balance sheet
| Metric | Lyndon State Bank, the | Legacy Bank |
|---|---|---|
| Total Assets | $111,391K | $111,488K |
| Total Deposits | $82,574K | $99,856K |
| Total Loans | $94,189K | $77,344K |
| Total Equity | $10,063K | $10,107K |
| Net Income (quarter) | $515 | $-757 |
Liquidity & funding
| Metric | Lyndon State Bank, the | Legacy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 114.07% | 77.46% |
| Core Deposit Ratio | 94.52% | 93.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lyndon State Bank, the | Legacy Bank |
|---|---|---|
| Headquarters City | LYNDON | MURRIETA |
| Headquarters State | KS | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 20 | 25 |
| Established | Aug. 1, 1901, midnight | June 10, 2022, 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.
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