Lyon County State Bank, the
Lyon County State Bank, the is the primary bank subsidiary of its parent holding company, headquartered in Emporia, KS. Lyon County State Bank, the's Q1 2026 balance sheet shows $211M in assets funded primarily by $183M in customer deposits. Returns are notably above industry norms: 1.68% ROA, 20.39% ROE, and 3.77% NIM. Regulatory capital is solid — 18.56% CET1 and 19.82% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.17%. It operates 2 branches, primarily in Kansas.
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
- Fed District
- 11
- Established
- June 27, 1913
- Branches
- 2 domestic
- Employees (FTE)
- 32
- FDIC Cert
- 14952
- Fed RSSD
- 796657
- Website
- www.mylcsb.com →
- Parent Holding Company
- OTTAWA BANCSHARES, INC. (RSSD 1056769)
Capital & Liquidity
Inside the full Lyon County State Bank, the terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Lyon County State Bank, the — freeThis is just Lyon County State Bank, the's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Lyon County State Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Similar banks
Compare Lyon County State Bank, the with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Lyon County State Bank, the
What are Lyon County State Bank, the's total assets?
As of the Q1 2026 filing, Lyon County State Bank, the reported total assets of $210.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Lyon County State Bank, the headquartered?
Lyon County State Bank, the is headquartered in EMPORIA, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Lyon County State Bank, the founded?
Lyon County State Bank, the was established in 1913, per the FDIC institution directory.
Is Lyon County State Bank, the FDIC-insured?
Yes. Lyon County State Bank, the 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 Lyon County State Bank, the?
Lyon County State Bank, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Lyon County State Bank, the's CET1 capital ratio?
Lyon County State Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 18.56% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Lyon County State Bank, the operate?
Lyon County State Bank, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Lyon County State Bank, the's Texas Ratio?
Lyon County State Bank, the's Texas Ratio is 1.30% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Lyon County State Bank, the.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required