The Lyndon State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 45.26 percentage points lower than in Q2 2026, at 34.61%. On loan-to-deposit ratio, The Lyndon State Bank ranks 4th highest among the 182 banks headquartered in Kansas, at 119.34% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Lyndon State Bank sits 38.51 points higher, at 119.34% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $97.6M |
| Net loans and leases | $96.8M |
| Loans held for sale | $0 |
| Loans to total assets | 85.63% |
| Loan-to-deposit ratio | 119.34% |
| Net loans to equity capital | 9.36% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.02% |
| Multifamily (5+ residential) | 0.73% |
| Commercial and industrial | 5.84% |
| Consumer | 2.54% |
| Credit cards | 0.00% |
| Farm | 25.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.61% |
| Construction concentration (Tier 1 capital + allowance) | 28.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.16% |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $75.9M | $72.5M | 2.72% | 5.75% | 3.83% |
| Q1 2024 | $79.2M | $74.9M | 5.87% | 5.41% | 3.71% |
| Q2 2024 | $79.7M | $76.5M | 5.92% | 5.46% | 3.90% |
| Q3 2024 | $79.2M | $75.2M | 5.66% | 6.03% | 3.84% |
| Q4 2024 | $82.1M | $78.1M | 5.36% | 5.63% | 3.82% |
| Q1 2025 | $83.9M | $81.1M | 5.37% | 5.42% | 3.42% |
| Q2 2025 | $87.3M | $80.0M | 5.37% | 5.55% | 3.24% |
| Q3 2025 | $86.4M | $78.6M | 5.78% | 6.28% | 3.22% |
| Q4 2025 | $88.5M | $77.2M | 5.59% | 6.53% | 3.06% |
| Q1 2026 | $94.2M | $82.6M | 5.46% | 6.53% | 2.80% |
| Q2 2026 | $97.9M | $85.1M | 6.18% | 5.94% | 2.83% |
| Q3 2026 | $97.6M | $81.8M | 6.02% | 5.84% | 2.54% |
The Lyndon State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyndon State Bank, freeSource: Call Report Schedule RC-C, 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)