Lyons Federal Bank
Total assets
$197.6M
▲ +10.7% YoY
Deposits
$166.7M
▲ +12.3% YoY
Loans
$144.0M
▲ +10.6% YoY
Offices
4
ROA (annualized)
1.06%
peers 1.24%
ROE (annualized)
7.66%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Lyons Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +4.4% | +6.3 pts |
| Deposit growth (YoY) | +12.3% | +4.0% | +8.4 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.1 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 7.7% | 11.9% | -4.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
Profile
- Established
- 1913
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Agricultural Specialization
- Address
- 200 East Ave S, Lyons, KS, 67554
- County
- Rice
- Offices
- 4
- FDIC cert #
- 27727
- RSSD ID
- 901974
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $197.6M | $166.7M | $144.0M | $27.5M | $1.0M | 1.06% | 4.41% | 0.17% |
| Q1 2026 | $190.5M | $160.0M | $139.6M | $27.0M | $525K | 1.08% | 4.23% | 0.17% |
| Q4 2025 | $199.2M | $169.7M | $131.5M | $26.5M | $2.5M | 1.35% | 4.11% | 0.07% |
| Q3 2025 | $178.9M | $150.0M | $129.8M | $25.6M | $1.7M | 1.24% | 4.19% | 0.05% |
| Q2 2025 | $178.5M | $148.4M | $130.2M | $25.0M | $1.0M | 1.13% | 4.12% | 0.04% |
| Q1 2025 | $173.2M | $145.1M | $124.5M | $24.2M | $277K | 0.62% | 3.91% | 0.06% |
| Q4 2024 | $182.0M | $154.6M | $118.1M | $23.8M | $2.0M | 1.18% | 3.88% | 0.10% |
| Q3 2024 | $162.6M | $132.2M | $117.3M | $23.3M | $1.4M | 1.13% | 3.86% | 0.15% |
Loan mix (Q2 2026): real estate $102.0M · commercial $9.5M · consumer $4.7M · securities $4.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Lyons Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.96% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 62.9% | 50th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Lyons Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Lyons Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Lyons Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Lyons Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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