The Lyon County State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money dropped 100.0% in Q3 2026, from $10.0M to $0. It was the largest change from Q2 2026 among the key lines here. The Lyon County State Bank ranks 78th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 78.23% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Lyon County State Bank sits 2.72 points lower, at 78.23% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.3M |
| Fed funds sold and reverse repos | $10.3M |
| Fed funds sold and reverse repos to assets | 4.93% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.23% |
| Net loans and leases to deposits | 77.17% |
| Loans and leases to core deposits | 84.44% |
| Core deposits to total deposits | 92.64% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 68.76% | 94.90% | $0 | $15.0M |
| Q1 2024 | 67.24% | 94.65% | $0 | $15.0M |
| Q2 2024 | 72.16% | 96.05% | $0 | $15.0M |
| Q3 2024 | 76.05% | 95.31% | $0 | $15.0M |
| Q4 2024 | 75.58% | 94.62% | $0 | $15.0M |
| Q1 2025 | 75.57% | 94.87% | $0 | $15.0M |
| Q2 2025 | 77.41% | 95.21% | $0 | $15.0M |
| Q3 2025 | 77.57% | 95.24% | $0 | $10.0M |
| Q4 2025 | 76.85% | 94.92% | $0 | $10.0M |
| Q1 2026 | 78.21% | 94.12% | $0 | $10.0M |
| Q2 2026 | 80.04% | 93.42% | $0 | $10.0M |
| Q3 2026 | 78.23% | 92.64% | $0 | $0 |
The Lyon County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyon County State Bank, freeSource: Call Report Schedules RC and RC-M, 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)