The Lyon County 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%.
The standout move of Q3 2026 was in Accumulated other comprehensive income: 68.9% lower than in Q2 2026, at -$3.7M. The Lyon County State Bank ranks 19th of 85 Kansas banks on CET1 ratio, in the upper half at 20.17% (Q3 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Lyon County State Bank sits 5.10 points higher, at 20.17% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.17% |
| Tier 1 risk-based capital ratio | 20.17% |
| Total risk-based capital ratio | 21.43% |
| Tier 1 leverage ratio | 10.25% |
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 | $21.6M |
| Tier 1 capital | $21.6M |
| Total risk-based capital | $22.9M |
| Total equity capital | $17.9M |
| Risk-weighted assets | $106.9M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
| Equity capital to average assets | 8.49% |
| Internal capital growth rate | 20.18% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $4.4M |
| Retained earnings | $16.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 16.34% | 16.34% | 17.60% | 7.84% | $94.8M |
| Q1 2024 | 16.94% | 16.94% | 18.20% | 8.12% | $94.6M |
| Q2 2024 | 17.65% | 17.65% | 18.91% | 8.53% | $94.5M |
| Q3 2024 | 17.00% | 17.00% | 18.25% | 8.79% | $101.8M |
| Q4 2024 | 16.98% | 16.98% | 18.23% | 8.29% | $99.4M |
| Q1 2025 | 16.79% | 16.79% | 18.04% | 8.51% | $104.2M |
| Q2 2025 | 17.22% | 17.22% | 18.48% | 8.57% | $105.7M |
| Q3 2025 | 17.97% | 17.97% | 19.22% | 9.08% | $105.5M |
| Q4 2025 | 18.69% | 18.69% | 19.95% | 9.34% | $107.1M |
| Q1 2026 | 18.56% | 18.56% | 19.82% | 9.30% | $106.2M |
| Q2 2026 | 19.05% | 19.05% | 20.31% | 9.61% | $108.3M |
| Q3 2026 | 20.17% | 20.17% | 21.43% | 10.25% | $106.9M |
The Lyon County State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyon County 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 Lyon County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14952) · FFIEC NIC profile (RSSD 796657)