Lyons Federal 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) climbed 10.01 percentage points in Q2 2026, from 48.51% to 58.52%. It was the largest change from Q1 2026 among the key lines here. Lyons Federal Bank ranks 48th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 87.54% (Q2 2026). Lyons Federal Bank reported 87.54% on loan-to-deposit ratio for Q2 2026, 6.59 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $145.9M |
| Net loans and leases | $144.0M |
| Loans held for sale | $0 |
| Loans to total assets | 73.86% |
| Loan-to-deposit ratio | 87.54% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.49% |
| Multifamily (5+ residential) | 4.90% |
| Commercial and industrial | 6.50% |
| Consumer | 3.23% |
| Credit cards | 0.00% |
| Farm | 24.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.52% |
| Construction concentration (Tier 1 capital + allowance) | 11.97% |
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 | Q2 2026 |
|---|---|
| Yield on loans | 7.25% |
| Interest income on loans | $2.6M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $105.5M | $127.2M | 3.85% | 6.51% | 4.38% |
| Q4 2023 | $106.1M | $143.6M | 3.65% | 5.70% | 4.70% |
| Q1 2024 | $108.1M | $134.1M | 3.46% | 6.55% | 4.30% |
| Q2 2024 | $116.9M | $136.6M | 2.89% | 7.51% | 4.77% |
| Q3 2024 | $118.8M | $132.2M | 2.71% | 6.58% | 4.79% |
| Q4 2024 | $119.6M | $154.6M | 2.97% | 4.12% | 4.83% |
| Q1 2025 | $126.1M | $145.1M | 2.95% | 6.70% | 4.31% |
| Q2 2025 | $131.9M | $148.4M | 3.05% | 7.08% | 4.30% |
| Q3 2025 | $131.5M | $150.0M | 3.26% | 6.47% | 4.43% |
| Q4 2025 | $133.2M | $169.7M | 3.29% | 7.11% | 3.98% |
| Q1 2026 | $141.4M | $160.0M | 3.55% | 6.78% | 3.59% |
| Q2 2026 | $145.9M | $166.7M | 3.49% | 6.50% | 3.23% |
Lyons Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lyons Federal 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 Lyons Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27727) · FFIEC NIC profile (RSSD 901974)