The Lyon County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lyon County State Bank of Emporia, KS against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.77% | 1.25% | +0.52% | 69th above |
| ROAE | 20.50% | 13.21% | +7.29% | 85th top |
| Net Interest Margin | 4.05% | 3.95% | +0.10% | 54th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 58.43% | 61.29% | -2.86% | 49th below |
| PPNR / Avg Assets | 1.89% | — | — | 57th above |
| Yield on Earning Assets | 5.29% | 5.68% | -0.39% | 37th below |
| Cost of Funds | 1.35% | 1.88% | -0.53% | 73rd above |
| Net Interest Spread | 3.53% | — | — | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.93% | -0.71% | 62nd above |
| NPA / Total Assets | 0.15% | — | — | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.35% | — | — | 63rd above |
| ACL / NPLs (Coverage) | 625.00% | — | — | 73rd above |
| Texas Ratio | 1.61% | 7.37% | -5.76% | 63rd above |
| Provision / NCO | 1300.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.17% | 17.08% | +3.09% | 76th top |
| Tier 1 Ratio | 20.17% | 17.11% | +3.06% | 76th top |
| Total Capital Ratio | 21.43% | — | — | 76th top |
| Leverage Ratio | 10.25% | 11.73% | -1.48% | 29th below |
| Equity / Assets | 8.57% | 10.97% | -2.40% | 22nd bottom |
| TCE / Tangible Assets | 8.57% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 78.23% | 80.71% | -2.48% | 42nd below |
| Core Deposit Ratio | 92.64% | 86.89% | +5.75% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.39% | — | — | 25th below |
| Loan Growth (Y/Y) | 5.92% | — | — | 52nd above |
| Deposit Growth (Y/Y) | 5.02% | — | — | 57th above |
See The Lyon County State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Lyon County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Lyon County State Bank profile, how to read a UBPR, or how this data updates.