The Lyon County State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 82.73 percentage points in Q3 2026, from 542.27% to 625.00%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, The Lyon County State Bank is 43rd of 182 on return on assets, 1.77% as of Q3 2026, above the middle of the field. The Lyon County State Bank reported 1.77% on return on assets for Q3 2026, 0.52 points above the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 20.17% |
| Tier 1 risk-based capital ratio | 20.17% |
| Total risk-based capital ratio | 21.43% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.61% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 625.00% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.77% |
| Return on equity | 20.50% |
| Net interest margin | 4.05% |
| Efficiency ratio | 58.43% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.23% |
| Core deposits to total deposits | 92.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.03% |
| Securities to assets | 20.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 16.34% | 16.34% | 17.60% | 7.84% | 1.02% |
| Q1 2024 | 16.94% | 16.94% | 18.20% | 8.12% | 1.11% |
| Q2 2024 | 17.65% | 17.65% | 18.91% | 8.53% | 1.31% |
| Q3 2024 | 17.00% | 17.00% | 18.25% | 8.79% | 1.27% |
| Q4 2024 | 16.98% | 16.98% | 18.23% | 8.29% | 1.14% |
| Q1 2025 | 16.79% | 16.79% | 18.04% | 8.51% | 1.18% |
| Q2 2025 | 17.22% | 17.22% | 18.48% | 8.57% | 1.35% |
| Q3 2025 | 17.97% | 17.97% | 19.22% | 9.08% | 1.42% |
| Q4 2025 | 18.69% | 18.69% | 19.95% | 9.34% | 2.01% |
| Q1 2026 | 18.56% | 18.56% | 19.82% | 9.30% | 1.68% |
| Q2 2026 | 19.05% | 19.05% | 20.31% | 9.61% | 1.71% |
| Q3 2026 | 20.17% | 20.17% | 21.43% | 10.25% | 1.77% |
The Lyon County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyon County State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)