BlastPoint's Banking Scorecard

The Lyon County State Bank

$100M-$1B Specialty: Commercial KS FDIC cert 14952

Emporia, KS

2 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Lyon County State Bank has 4 strengths but faces 2 concerns

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

+ Revenue Diversifier: Top 45.2% in tier
+ Profitability Leader: Top 46.9% in tier
+ Efficiency Ratio 5.72% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 47.4% in tier
- Net Interest Margin 0.19% below tier average

Get updates when The Lyon County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$210.8M +2.3% YoY -1.3% QoQ	-$175.3M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$141.2M +7.0% YoY +0.5% QoQ	-$114.5M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$183.0M +3.4% YoY -1.2% QoQ	-$145.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	30%
Return on Assets ?	1.68% +39.4% YoY +10.2% QoQ	+0.41%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.74% +9.9% YoY +2.5% QoQ	-0.19%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	59.57% -13.0% YoY -5.0% QoQ	-5.72%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.12% -13.7% YoY -7.1% QoQ	-0.77%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	77.15% +3.5% YoY +1.7% QoQ	+0.51%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	25.45% -3.2% YoY +0.3% QoQ	+3.43%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.08% -9.7% YoY -5.4% QoQ	-0.56%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	18.56% +10.6% YoY -0.7% QoQ	+2.73%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.20% +6.9% YoY -76.5% QoQ	-0.07%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 13.1% in tier

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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 (2)

Revenue Diversifier

growth

#302 of 666 • Top 45.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.68%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#313 of 666 • Top 46.9% in tier

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

Why this signature

Return on Assets: 1.68%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#351 of 739 • Bottom 47.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.56%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 77.15%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

351

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#351 of 2664 Top 13.1% in $100M-$1B

457

Tier 1 Capital Ratio

capital

Value: 18.56%

Peer Median: 15.83%

#457 of 2664 Top 17.1% in $100M-$1B

625

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#625 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available