| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +3.2% | +5.1% | -1.8 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -1.9 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 14.5% | 12.2% | +2.4 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.13B | $1.94B | $1.55B | $164.6M | $11.7M | 1.11% | 3.30% | 0.35% |
| Q1 2026 | $2.11B | $1.92B | $1.53B | $160.0M | $5.5M | 1.05% | 3.18% | 0.36% |
| Q4 2025 | $2.07B | $1.89B | $1.53B | $157.8M | $22.0M | 1.08% | 3.11% | 0.32% |
| Q3 2025 | $2.09B | $1.91B | $1.51B | $151.5M | $14.9M | 0.98% | 2.98% | 0.23% |
| Q2 2025 | $2.05B | $1.88B | $1.49B | $143.8M | $9.4M | 0.94% | 2.89% | 0.27% |
| Q1 2025 | $2.03B | $1.87B | $1.46B | $137.7M | $4.2M | 0.86% | 2.80% | 0.18% |
| Q4 2024 | $1.93B | $1.77B | $1.45B | $137.1M | $16.4M | 0.85% | 2.70% | 0.20% |
| Q3 2024 | $2.02B | $1.78B | $1.42B | $138.6M | $11.9M | 0.81% | 2.61% | 0.18% |
Loan mix (Q2 2026): real estate $1.35B · commercial $145.9M · consumer $24.5M · securities $304.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Lyons National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 59.0% | 52th |
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% |
| Ratio | The Lyons National 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% |
| Ratio | The Lyons National 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% |
| Ratio | The Lyons National 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% |
| Ratio | The Lyons National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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