The Lyndon State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Lyndon State Bank is an FDIC-insured commercial bank headquartered in Lyndon, KS, established in 1901 (FDIC certificate 12135), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $115.1M, up 10.8% from Q2 2025, the 127th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 12.44% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12135
- Headquarters
- Lyndon, KS
- Established
- 1901
- Total assets, Q2 2026
- $115.1M
- Assets vs Q2 2025
- +10.8%
- CET1 ratio, Q2 2026
- 12.44%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101104407
- Holding company
- CMJR INVESTMENTS, INC.
- Asset rank in state
- 127th of 182 in Kansas
The Lyndon State Bank earns an unusually wide margin on its lending. It reported $115 million in assets at June 30, 2026, up 10.8% from a year earlier. It keeps 4.80 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also returns 18.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Earnings jumped: net income for the quarter was $464,000, 151% above the same quarter a year earlier. Over the same year, loans grew 12.2% and deposits grew 6.3%. Where it has less room is capital: it holds common equity equal to 12.44% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, The Lyndon State Bank reported a CET1 capital ratio of 12.44%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.60%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Lyndon State Bank is the 127th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $115.1M, loans rose 3.9% and deposits rose 3.1%. 1-4 family residential loans made up 42.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 24.3%. Its 3 offices in the FDIC Summary of Deposits are in Lyndon, KS, Melvern, KS and Topeka, KS; its Lyndon office books 79% of its branch deposits. Judged on its Q2 2026 call report, The Lyndon State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 817 Topeka Ave, Lyndon, KS 66451
- County
- Osage
- Metro Area
- Topeka, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1901
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $85.1M
- Allowance for credit losses
- $809K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $114.3M
- Average total loans
- $95.1M
- Average interest-bearing deposits
- $62.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12135
- Fed RSSD
- 136655
- Website
- http://www.lyndonstatebank.com →
- Parent Holding Company
- CMJR INVESTMENTS, INC. (RSSD 1416617)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Lyndon State Bank's total assets ran between $93.6M (Q3 2023) and $115.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$115.1M total assets against $104.0M; $104.8M total liabilities against $94.9M.
$97.1M net loans and leases against $86.5M; $85.1M total deposits against $80.0M.
$8.7M securities against $9.7M; $3.7M cash and balances due against $2.4M.
$1.8M total interest income against $1.5M; $465K total interest expense against $428K.
$1.3M net interest income against $1.1M.
$125K total noninterest income against $114K; $932K total noninterest expense against $1.0M.
$6K provision for credit losses against $0.
$464K net income against $185K.
1.62% return on assets against 0.71%; 4.80% net interest margin against 4.65%.
12.44% CET1 capital ratio against 12.59%; 9.51% tier 1 leverage ratio against 9.50%.
Inside the full The Lyndon State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Lyndon State Bank rankings
Its closest position to the top of a national ranking is 1,054 of 3,611, for ROA; its furthest is 3,553 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q3 2024) to 1.91% (Q1 2026) and its net interest margin ran from 4.24% (Q3 2024) to 4.86% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.44% | 1.62% | 0.28% | 2.60% | 4.80% |
| Q1 2026 | 12.71% | 1.91% | 0.33% | 3.00% | 4.82% |
| Q4 2025 | 13.04% | 0.95% | 0.46% | 4.11% | 4.86% |
| Q3 2025 | 13.06% | 1.36% | 0.67% | 6.00% | 4.72% |
| Q2 2025 | 12.59% | 0.71% | 0.61% | 5.65% | 4.65% |
| Q1 2025 | 12.83% | 1.04% | 0.21% | 1.91% | 4.43% |
| Q4 2024 | 12.66% | 0.62% | 0.56% | 5.24% | 4.29% |
| Q3 2024 | 12.91% | 0.60% | 0.31% | 2.75% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Lyndon State Bank | Lyndon , KS | 66451 | $67.7M |
| Melvern Branch | Melvern , KS | 66510 | $13.2M |
| Topeka Branch | Topeka , KS | 66604 | $4.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 164 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $390K approved, $390K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Lyndon State Bank
What are The Lyndon State Bank's total assets?
As of the Q2 2026 filing, The Lyndon State Bank reported total assets of $115.1 million in its FFIEC call report.
Where is The Lyndon State Bank headquartered?
It is headquartered in Lyndon, KS, United States.
When was The Lyndon State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is The Lyndon State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12135). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lyndon State Bank?
The Lyndon State Bank's primary federal regulator is the FDIC.
What is The Lyndon State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Lyndon State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lyndon State Bank's Texas Ratio?
Its Texas Ratio is 2.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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