BlastPoint's Banking Scorecard
The Lyndon State Bank
Lyndon, KS
3 branches across KS
The Lyndon State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12.8% in tier
- + Net Interest Margin 0.98% above tier average
- + Efficiency Ratio 6.54% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.6% in tier
- - Loan-to-Deposit Ratio 36.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.4M
+10.0% YoY
+6.4% QoQ
|
-$274.7M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.2% in tier |
| Total Loans ? |
$93.4M
+12.4% YoY
+6.5% QoQ
|
-$162.3M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$82.6M
+1.9% YoY
+6.9% QoQ
|
-$245.4M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.1% in tier |
| Return on Assets ? |
1.91%
+81.0% YoY
+85.8% QoQ
|
+0.64% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
85% |
| Net Interest Margin ? |
4.91%
+10.2% YoY
+4.6% QoQ
|
+0.98% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Top 8.8% in tier |
| Efficiency Ratio ? |
58.75%
-24.2% YoY
-24.9% QoQ
|
-6.54% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.33%
+58.1% YoY
-28.9% QoQ
|
-0.55% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
113.09%
+10.3% YoY
-0.4% QoQ
|
+36.46% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.50%
-0.9% YoY
-1.9% QoQ
|
+3.48% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.28%
+61.6% YoY
-28.8% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.71%
-1.0% YoY
-2.5% QoQ
|
-3.12% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.11%
-21.5% YoY
-76.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.