Lyons Federal 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 96.06 percentage points higher than in Q1 2026, at 473.67%. Within Kansas, Lyons Federal Bank is 144th of 182 on return on assets, 1.04% as of Q2 2026, below the middle of the field. Lyons Federal Bank reported 1.04% on return on assets for Q2 2026, 0.20 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.70% |
| Equity capital to assets | 13.94% |
| Tangible equity to tangible assets | 12.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.85% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 473.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 7.48% |
| Net interest margin | 4.61% |
| Efficiency ratio | 60.12% |
| Yield on earning assets | 6.57% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.54% |
| Core deposits to total deposits | 82.02% |
| Brokered deposits to total deposits | 2.77% |
| Deposits to assets | 84.37% |
| Securities to assets | 2.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.10% | 1.03% | 3.78% | 0.24% | 0.00% |
| Q4 2023 | 13.72% | 1.08% | 3.63% | 0.30% | 0.00% |
| Q1 2024 | 13.95% | 1.11% | 3.68% | 0.35% | 0.00% |
| Q2 2024 | 14.17% | 1.00% | 3.80% | 0.30% | 0.00% |
| Q3 2024 | 14.46% | 1.34% | 3.90% | 0.28% | 0.00% |
| Q4 2024 | 12.36% | 1.33% | 4.02% | 0.27% | 0.00% |
| Q1 2025 | 12.58% | 0.65% | 4.09% | 0.20% | 0.00% |
| Q2 2025 | 12.71% | 1.66% | 4.25% | 0.17% | 0.00% |
| Q3 2025 | 12.86% | 1.46% | 4.17% | 0.18% | 0.00% |
| Q4 2025 | 12.50% | 1.68% | 3.98% | 0.21% | 0.00% |
| Q1 2026 | 12.66% | 1.09% | 4.11% | 0.34% | 0.00% |
| Q2 2026 | 12.70% | 1.04% | 4.61% | 0.27% | 0.00% |
Lyons Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Lyons Federal 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 Lyons Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27727) · FFIEC NIC profile (RSSD 901974)