Lyons Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Lyons Federal Bank is an FDIC-insured savings institution headquartered in Lyons, KS, established in 1913 (FDIC certificate 27727), and it is supervised by the OCC. At Q2 2026 it reported total assets of $197.6M, up 10.7% from Q2 2025, the 96th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27727
- Headquarters
- Lyons, KS
- Established
- 1913
- Total assets, Q2 2026
- $197.6M
- Assets vs Q2 2025
- +10.7%
- Tier 1 leverage ratio, Q2 2026
- 12.70%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 301170985
- Asset rank in state
- 96th of 182 in Kansas
Lyons Federal Bank, based in Lyons, Kansas, reported $198 million in assets at June 30, 2026, up 10.7% from a year earlier. It grew deposits 12.3% over the year, about triple the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.61 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter slipped 30% from a year earlier, to $510,000. Profitability lags: it returns 7.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Lyons Federal Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Lyons Federal Bank is the 96th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.7% to $197.6M, loans rose 3.2% and deposits rose 4.2%. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 25.0%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in KS; its Lyons office books 62% of its branch deposits. On its Q2 2026 call report, Lyons Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 East Ave S, Lyons, KS 67554
- County
- Rice
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Former names
- Lyons Federal Savings Association (1990-2009); The Lyons Savings and Loan Association (1988-1990)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $166.7M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $195.6M
- Average total loans
- $143.8M
- Average interest-bearing deposits
- $136.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27727
- Fed RSSD
- 901974
- Website
- WWW.LYONSFED.COM →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Lyons Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Lyons Federal Bank's total assets ran between $151.8M (Q3 2023) and $199.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$197.6M total assets against $178.5M; $170.0M total liabilities against $153.5M.
$144.0M net loans and leases against $130.2M; $166.7M total deposits against $148.4M.
$4.3M securities against $7.2M; $31.4M cash and balances due against $24.9M.
$2.9M total interest income against $2.5M; $872K total interest expense against $833K.
$2.0M net interest income against $1.7M.
$260K total noninterest income against $538K; $1.4M total noninterest expense against $1.3M.
$64K provision for credit losses against $76K.
$510K net income against $727K.
1.04% return on assets against 1.66%; 4.61% net interest margin against 4.25%.
12.70% tier 1 leverage ratio against 12.71%.
Inside the full Lyons Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLyons Federal Bank rankings
Its closest position to the top of a national ranking is 1,839 of 3,606, for efficiency ratio; its furthest is 2,981 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q1 2025) to 1.68% (Q4 2025) and its net interest margin ran from 3.90% (Q3 2024) to 4.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.70% | 1.04% | 0.23% | 1.29% | 4.61% |
| Q1 2026 | 12.66% | 1.09% | 0.23% | 1.30% | 4.11% |
| Q4 2025 | 12.50% | 1.68% | 0.10% | 0.55% | 3.98% |
| Q3 2025 | 12.86% | 1.46% | 0.07% | 0.37% | 4.17% |
| Q2 2025 | 12.71% | 1.66% | 0.06% | 0.27% | 4.25% |
| Q1 2025 | 12.58% | 0.65% | 0.08% | 0.46% | 4.09% |
| Q4 2024 | 12.36% | 1.33% | 0.15% | 0.75% | 4.02% |
| Q3 2024 | 14.46% | 1.34% | 0.15% | 0.94% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lyons Federal Bank (main office) | Lyons , KS | 67554 | $102.6M |
| Wakeeney Br | Wakeeney , KS | 67672 | $45.6M |
| Bushton Branch | Bushton , KS | 67427 | $12.0M |
| Ellsworth Branch | Ellsworth , KS | 67439 | $6.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired First Federal Savings and Loan Association of Wakeeney Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 1 against individuals associated with it
- December 5, 2005, OCC (former OTS): Termination of Cease and Desist: Lyons FSA
- July 28, 2004, OCC (former OTS): Cease and Desist: Lyons FSA
- Period: Most recent institution action December 5, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 116 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Lyons Federal Bank
What are Lyons Federal Bank's total assets?
As of the Q2 2026 filing, Lyons Federal Bank reported total assets of $197.6 million in its FFIEC call report.
Where is Lyons Federal Bank headquartered?
It is headquartered in Lyons, KS, United States.
When was Lyons Federal Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Lyons Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Lyons Federal Bank?
Lyons Federal Bank's primary federal regulator is the OCC.
How many branches does Lyons Federal Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Lyons Federal Bank's Texas Ratio?
Its Texas Ratio is 1.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Lyons Federal Bank previously called?
The charter now named Lyons Federal Bank has also operated as Lyons Federal Savings Association (1990-2009), The Lyons Savings and Loan Association (1988-1990), per FDIC structure-change records.
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