The Lyndon State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 25.3% in Q3 2026, from -$1.0M to -$1.3M. It was the largest change from Q2 2026 among the key lines here. Within Kansas, The Lyndon State Bank is 64th of 85 on CET1 ratio, 12.86% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Lyndon State Bank sits 2.21 points lower, at 12.86% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.86% |
| Tier 1 risk-based capital ratio | 12.86% |
| Total risk-based capital ratio | 13.79% |
| Tier 1 leverage ratio | 9.67% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $11.1M |
| Tier 1 capital | $11.1M |
| Total risk-based capital | $11.9M |
| Total equity capital | $10.3M |
| Risk-weighted assets | $86.5M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.07% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 8.95% |
| Internal capital growth rate | 11.29% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $204K |
| Common stock surplus | $2.0M |
| Retained earnings | $9.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 13.28% | 13.28% | 14.43% | 9.66% | $69.1M |
| Q1 2024 | 12.72% | 12.72% | 13.83% | 9.48% | $72.3M |
| Q2 2024 | 12.48% | 12.48% | 13.57% | 9.21% | $74.0M |
| Q3 2024 | 12.91% | 12.91% | 14.02% | 9.42% | $72.3M |
| Q4 2024 | 12.66% | 12.66% | 13.74% | 9.62% | $74.9M |
| Q1 2025 | 12.83% | 12.83% | 13.90% | 9.42% | $75.5M |
| Q2 2025 | 12.59% | 12.59% | 13.62% | 9.50% | $77.8M |
| Q3 2025 | 13.06% | 13.06% | 14.12% | 9.57% | $76.4M |
| Q4 2025 | 13.04% | 13.04% | 14.07% | 9.79% | $78.4M |
| Q1 2026 | 12.71% | 12.71% | 13.67% | 9.91% | $83.5M |
| Q2 2026 | 12.44% | 12.44% | 13.37% | 9.51% | $87.0M |
| Q3 2026 | 12.86% | 12.86% | 13.79% | 9.67% | $86.5M |
The Lyndon State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyndon State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Lyndon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12135) · FFIEC NIC profile (RSSD 136655)