The Lyndon State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lyndon State Bank of Lyndon, KS against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Ahead of the peer average, behind the median peer. | 1.48% | 1.25% | +0.23% | 48th below |
| ROAE | 16.62% | 13.21% | +3.41% | 61st above |
| Net Interest Margin | 4.78% | 3.95% | +0.83% | 84th top |
| Efficiency Ratio | 67.36% | 61.29% | +6.07% | 18th bottom |
| PPNR / Avg Assets | 1.55% | — | — | 34th below |
| Yield on Earning Assets | 6.64% | 5.68% | +0.96% | 88th top |
| Cost of Funds | 1.94% | 1.88% | +0.06% | 31st below |
| Net Interest Spread | 4.12% | — | — | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.93% | -0.76% | 66th above |
| NPA / Total Assets | 0.15% | — | — | 63rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 60th above |
| ACL / Total Loans | 0.83% | — | — | 7th bottom |
| ACL / NPLs (Coverage) | 484.43% | — | — | 66th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.36% | 7.37% | -3.01% | 38th below |
| Provision / NCO | 66.67% | — | — | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.86% | 17.08% | -4.22% | 17th bottom |
| Tier 1 Ratio | 12.86% | 17.11% | -4.25% | 17th bottom |
| Total Capital Ratio | 13.79% | — | — | 16th bottom |
| Leverage Ratio | 9.67% | 11.73% | -2.06% | 17th bottom |
| Equity / Assets | 9.07% | 10.97% | -1.90% | 31st below |
| TCE / Tangible Assets | 8.69% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.34% | 80.71% | +38.63% | 2nd bottom |
| Core Deposit Ratio | 94.45% | 86.89% | +7.56% | 80th top |
| Wholesale Funding Ratio | 18.42% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.66% | — | — | 87th top |
| Loan Growth (Y/Y) | 13.04% | — | — | 84th top |
| Deposit Growth (Y/Y) | 4.01% | — | — | 50th above |
See The Lyndon State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Lyndon State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Lyndon State Bank profile, how to read a UBPR, or how this data updates.