The Lyon County State Bank
Total assets
$212.5M
▲ +2.3% YoY
Deposits
$183.4M
▲ +3.4% YoY
Loans
$144.8M
▲ +6.9% YoY
Offices
2
OTTAWA BANCSHARES INC
ROA (annualized)
1.70%
peers 1.24%
ROE (annualized)
20.33%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 20.3% | 11.9% | +8.5 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1913
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- OTTAWA BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 902 Merchant St, Emporia, KS, 66801
- County
- Lyon
- Metro area
- Emporia, KS
- Offices
- 2
- FDIC cert #
- 14952
- RSSD ID
- 796657
- 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 | $212.5M | $183.4M | $144.8M | $18.4M | $1.8M | 1.70% | 3.82% | 0.14% |
| Q1 2026 | $210.8M | $183.0M | $141.2M | $17.1M | $890K | 1.68% | 3.74% | 0.08% |
| Q4 2025 | $213.6M | $185.2M | $140.4M | $17.8M | $3.1M | 1.52% | 3.65% | 0.09% |
| Q3 2025 | $207.4M | $180.5M | $138.2M | $16.3M | $2.1M | 1.35% | 3.58% | 0.09% |
| Q2 2025 | $207.6M | $177.4M | $135.5M | $14.7M | $1.3M | 1.30% | 3.52% | 0.09% |
| Q1 2025 | $206.0M | $176.9M | $131.9M | $13.5M | $606K | 1.20% | 3.40% | 0.09% |
| Q4 2024 | $196.8M | $168.8M | $125.8M | $12.5M | $2.4M | 1.24% | 3.37% | 0.10% |
| Q3 2024 | $196.2M | $166.7M | $125.1M | $14.0M | $1.8M | 1.25% | 3.31% | 0.04% |
Loan mix (Q2 2026): real estate $132.5M · commercial $7.7M · consumer $3.9M · securities $46.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% | 42th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 40th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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