The Lyon County State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Lyon County State Bank is an FDIC-insured commercial bank headquartered in Emporia, KS, established in 1913 (FDIC certificate 14952), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $212.5M, up 2.3% from Q2 2025, the 89th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 19.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14952
- Headquarters
- Emporia, KS
- Established
- 1913
- Total assets, Q2 2026
- $212.5M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 19.05%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101100786
- Latest call report
- Q2 2026, FFIEC 051 · The Lyon County State Bank call report
- Holding company
- OTTAWA BANCSHARES, INC.
- Asset rank in state
- 89th of 182 in Kansas
The Lyon County State Bank is one of the more profitable banks of its size. Its balance sheet stood at $212 million at June 30, 2026, up 2.3% from a year earlier; it is based in Emporia, Kansas. It returns 20.7% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 28% from a year earlier, to $918,000. Over the same year, loans grew 6.9% and deposits grew 3.4%. Where it has less room is capital: it funds 9.61% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Lyon County State Bank reported a CET1 capital ratio of 19.05%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.46%. The figures come from its call report filed with the FFIEC.
The Lyon County State Bank ranks as the 89th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $212.5M, loans rose 2.6% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 48.0% of total loans, ahead of multifamily loans at 26.5%. The FDIC Summary of Deposits lists 2 offices for it, in Emporia, KS. On its Q2 2026 call report, The Lyon County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 902 Merchant St, Emporia, KS 66801
- County
- Lyon
- Metro Area
- Emporia, 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
- June 27, 1913
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $183.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $214.8M
- Average total loans
- $144.6M
- Average interest-bearing deposits
- $137.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 28, 1934
- FDIC Cert
- 14952
- Fed RSSD
- 796657
- Website
- www.mylcsb.com →
- Parent Holding Company
- OTTAWA BANCSHARES, INC. (RSSD 1056769)
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 Lyon County State Bank's total assets ran between $186.0M (Q3 2023) and $213.6M (Q4 2025), 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
$212.5M total assets against $207.6M; $194.1M total liabilities against $193.0M.
$144.8M net loans and leases against $135.5M; $183.4M total deposits against $177.4M.
$46.9M securities against $54.1M; $16.9M cash and balances due against $13.8M.
$2.7M total interest income against $2.5M; $677K total interest expense against $714K.
$2.0M net interest income against $1.8M.
$397K total noninterest income against $383K; $1.4M total noninterest expense against $1.4M.
$26K provision for credit losses against $30K.
$918K net income against $718K.
1.71% return on assets against 1.35%; 3.87% net interest margin against 3.54%.
19.05% CET1 capital ratio against 17.22%; 9.61% tier 1 leverage ratio against 8.57%.
Inside the full The Lyon County 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Lyon County State Bank rankings
Its closest position to the top of a national ranking is 390 of 2,134, for CET1 ratio; its furthest is 2,887 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.14% (Q4 2024) to 2.01% (Q4 2025) and its net interest margin ran from 3.36% (Q1 2025) to 3.87% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.05% | 1.71% | 0.20% | 1.46% | 3.87% |
| Q1 2026 | 18.56% | 1.68% | 0.12% | 0.89% | 3.77% |
| Q4 2025 | 18.69% | 2.01% | 0.13% | 0.92% | 3.82% |
| Q3 2025 | 17.97% | 1.42% | 0.13% | 0.98% | 3.68% |
| Q2 2025 | 17.22% | 1.35% | 0.13% | 1.10% | 3.54% |
| Q1 2025 | 16.79% | 1.18% | 0.14% | 1.20% | 3.36% |
| Q4 2024 | 16.98% | 1.14% | 0.15% | 1.33% | 3.45% |
| Q3 2024 | 17.00% | 1.27% | 0.07% | 0.56% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Lyon County State Bank | Emporia , KS | 66801 | $144.6M |
| Suburban Branch | Emporia , KS | 66801 | $38.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2012 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2001 | Structure Change | Acquired Admire Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 109 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $788K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Lyon County State Bank
What are The Lyon County State Bank's total assets?
As of the Q2 2026 filing, The Lyon County State Bank reported total assets of $212.5 million in its FFIEC call report.
Where is The Lyon County State Bank headquartered?
It is headquartered in Emporia, KS, United States.
When was The Lyon County State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is The Lyon County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lyon County State Bank?
The Lyon County State Bank's primary federal regulator is the FDIC.
What is The Lyon County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Lyon County State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lyon County State Bank's Texas Ratio?
Its Texas Ratio is 1.46% 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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