The Lyon County State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.22 percentage points in Q3 2026, from 219.16% to 209.94%. It was the largest change from Q2 2026 among the key lines here. The Lyon County State Bank ranks 79th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 78.23% (Q3 2026). The Lyon County State Bank reported 78.23% on loan-to-deposit ratio for Q3 2026, 2.72 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $148.3M |
| Net loans and leases | $146.3M |
| Loans held for sale | $0 |
| Loans to total assets | 71.21% |
| Loan-to-deposit ratio | 78.23% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.18% |
| Multifamily (5+ residential) | 26.87% |
| Commercial and industrial | 5.00% |
| Consumer | 2.79% |
| Credit cards | 0.00% |
| Farm | 1.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.94% |
| Construction concentration (Tier 1 capital + allowance) | 5.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.34% |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $113.8M | $165.4M | 14.68% | 7.74% | 3.74% |
| Q1 2024 | $112.2M | $166.9M | 15.92% | 7.80% | 3.64% |
| Q2 2024 | $117.7M | $163.1M | 14.79% | 7.67% | 3.30% |
| Q3 2024 | $126.7M | $166.7M | 14.40% | 7.02% | 2.94% |
| Q4 2024 | $127.6M | $168.8M | 14.28% | 5.97% | 2.86% |
| Q1 2025 | $133.7M | $176.9M | 13.40% | 5.78% | 2.71% |
| Q2 2025 | $137.3M | $177.4M | 12.89% | 5.39% | 2.45% |
| Q3 2025 | $140.0M | $180.5M | 13.16% | 5.00% | 2.81% |
| Q4 2025 | $142.3M | $185.2M | 12.87% | 4.78% | 2.62% |
| Q1 2026 | $143.1M | $183.0M | 12.59% | 4.69% | 2.75% |
| Q2 2026 | $146.8M | $183.4M | 12.77% | 5.24% | 2.65% |
| Q3 2026 | $148.3M | $189.6M | 12.18% | 5.00% | 2.79% |
The Lyon County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyon County State Bank, freeSource: Call Report Schedule RC-C, 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)