BlastPoint's Banking Scorecard

The Lyndon State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 12135

Lyndon, KS

3 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +6.3% year over year ($85.1M on the books).
Delinquency rate 0.28%.
Return on assets 1.77%.
Efficiency ratio 62.25% vs a 64.48% peer average.
Loan-to-deposit ratio 114.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The Lyndon State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 14.7% in tier
+ Net Interest Margin 0.92% above tier average
+ Efficiency Ratio 2.23% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 36.10% above tier average

Get updates when The Lyndon State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$115.1M +10.8% YoY +3.4% QoQ	-$271.4M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 4.2% in tier
Total Loans ?	$97.1M +12.3% YoY +3.9% QoQ	-$161.3M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$85.1M +6.3% YoY +3.1% QoQ	-$241.6M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 1.5% in tier
Return on Assets ?	1.77% +100.6% YoY -7.0% QoQ	+0.45%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	4.91% +7.9% YoY +0.0% QoQ	+0.92%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 9.6% in tier
Efficiency Ratio ?	62.25% -23.3% YoY +6.0% QoQ	-2.23%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	50%
Delinquency Rate ?	0.28% -53.4% YoY -14.6% QoQ	-0.63%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	114.05% +5.6% YoY +0.8% QoQ	+36.10%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 2.1% in tier
Non-Interest-Bearing Deposit Share ?	28.23% +8.7% YoY +10.7% QoQ	+6.20%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	77%
Nonperforming Asset Ratio ?	0.24% -52.8% YoY -14.1% QoQ	-0.43%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	12.44% -1.2% YoY -2.1% QoQ	-3.47%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.21% -12.6% YoY +97.5% QoQ	-0.35%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	28.2% +2.3pp YoY +2.7pp QoQ	+6.1pp	22.1%	22.3%	22.2%	76%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	6.0% +0.4pp YoY -0.6pp QoQ	-5.6pp	11.6%	12.6%	12.5%	26%
CRE	9.6% +0.4pp YoY +0.7pp QoQ	-30.0pp	39.5%	28.8%	41.4%	4%
1-4 Family	42.9% -1.9pp YoY -0.4pp QoQ	+10.3pp	32.6%	26.7%	31.3%	74%
Consumer	2.9% -0.4pp YoY 0.0pp QoQ	-1.3pp	4.1%	4.6%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	12.4% -0.2pp YoY -0.3pp QoQ	-6.4pp	18.8%	23.3%	19.7%	22%
Leverage Ratio	9.5% 0.0pp YoY -0.4pp QoQ	-2.7pp	12.2%	12.6%	12.6%	21%
Total Capital Ratio	13.4% -0.3pp YoY -0.3pp QoQ	-6.6pp	19.9%	24.4%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	20 -1 (-4.8%) YoY 0 QoQ	-39	58	70	482	11%
Assets per Employee ($)	$5.8M +16.3% YoY +3.4% QoQ	-$1.8M	$7.5M	$7.1M	$8.8M	28%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.5pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	53%
Nonaccrual	0.2% +0.1pp QoQ	-0.8pp	0.9%	0.8%	1.0%	28%
Allowance Coverage	2.93x +92.0% YoY +13.5% QoQ	-21.22x	24.15x	22.44x	20.23x	58%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	19.5% +9.2pp YoY -1.3pp QoQ	+7.3pp	12.2%	14.3%	11.6%	87%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	52%
Net Income ($, YTD)	$979,000 +116.1% YoY — QoQ	-$1.6M	$2.6M	$3.7M	$40.4M	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#98 of 661 • Top 14.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.77%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

254

Net Interest Margin

profitability

Value: 4.91%

Peer Median: 3.99%

#254 of 2643 Top 9.6% in $100M-$1B

557

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.32%

#557 of 2643 Top 21.0% in $100M-$1B

620

Non-Interest-Bearing Deposit Share

funding

Value: 28.23%

Peer Median: 22.03%

#620 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (4 metrics)

2605

Total Deposits

size

Value: $85.11M

Peer Median: $326.73M

#2605 of 2643 Bottom 1.5% in $100M-$1B

2589

Loan-to-Deposit Ratio

liquidity

Value: 114.05%

Peer Median: 77.95%

#2589 of 2643 Bottom 2.1% in $100M-$1B

2532

Total Assets

size

Value: $115.14M

Peer Median: $386.57M

#2532 of 2643 Bottom 4.2% in $100M-$1B

2174

Total Loans

size

Value: $97.06M

Peer Median: $258.35M

#2174 of 2643 Bottom 17.8% in $100M-$1B