Bank Comparison
Lyon County State Bank, the vs First Missouri Bank of SEMO
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lyon County State Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| CET1 Ratio | 18.56% | 11.37% |
| Tier 1 Capital Ratio | 18.56% | 11.37% |
| Total Capital Ratio | 19.82% | 12.63% |
| Tier 1 Leverage Ratio | 9.30% | 8.55% |
| Equity / Assets | 8.12% | 9.15% |
Profitability
| Metric | Lyon County State Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 1.38% |
| Return on Equity (ROE) | 20.39% | 16.11% |
| Net Interest Margin (NIM) | 3.77% | 4.51% |
| Yield on Earning Assets | 5.01% | 6.27% |
| Cost of Funds | 1.34% | 1.93% |
Asset quality
| Metric | Lyon County State Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Texas Ratio | 1.30% | 0.70% |
| Non-Performing Loan Ratio | 0.17% | 0.02% |
| Non-Performing Asset Ratio | 0.12% | 0.02% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.35% | 1.88% |
Balance sheet
| Metric | Lyon County State Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Total Assets | $210,756K | $210,887K |
| Total Deposits | $182,996K | $190,269K |
| Total Loans | $143,114K | $188,706K |
| Total Equity | $17,115K | $19,289K |
| Net Income (quarter) | $890 | $776 |
Liquidity & funding
| Metric | Lyon County State Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Loan-to-Deposit Ratio | 78.21% | 99.18% |
| Core Deposit Ratio | 94.12% | 90.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lyon County State Bank, the | First Missouri Bank of SEMO |
|---|---|---|
| Headquarters City | EMPORIA | Kennett |
| Headquarters State | KS | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 32 | 41 |
| Established | June 27, 1913, midnight | Jan. 18, 1965, 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 Lyon County State Bank, the profile | View full First Missouri Bank of SEMO profile | Browse all bank comparisons