BlastPoint

BlastPoint's Banking Scorecard

The Lyon County State Bank

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

Emporia, KS

2 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 +3.4% year over year ($183.4M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 1.70%.
  • Efficiency ratio 59.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.97% 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 Lyon County State Bank has 3 strengths but faces 4 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

  • + Profitability Leader: Top 47.5% in tier
  • + Efficiency Ratio 5.16% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.8% in tier
  • - Credit Risk Growth: Bottom 26.1% in tier
  • - Liquidity Overhang: Bottom 43.3% in tier
  • - Net Interest Margin 0.17% below tier average
Get updates when The Lyon County 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 ? $212.5M
+2.3% YoY +0.8% QoQ
-$174.1M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $144.8M
+6.9% YoY +2.6% QoQ
-$113.5M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $183.4M
+3.4% YoY +0.2% QoQ
-$143.4M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 1.70%
+30.9% YoY +1.5% QoQ
+0.38% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 3.82%
+8.3% YoY +2.0% QoQ
-0.17% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 59.32%
-10.6% YoY -0.4% QoQ
-5.16% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.21%
+52.7% YoY +70.3% QoQ
-0.71% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 78.97%
+3.4% YoY +2.4% QoQ
+1.02% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 23.95%
-5.7% YoY -5.9% QoQ
+1.92% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.14%
+59.5% YoY +73.3% QoQ
-0.53% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 19.05%
+10.6% YoY +2.6% QoQ
+3.14% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.39%
+4.1% YoY +90.3% QoQ
-0.18% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
84%

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 24.0%
-1.4pp YoY
-1.5pp QoQ
 +1.8pp 22.1% 22.3% 22.2% 62%
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 5.3%
-0.1pp YoY
+0.6pp QoQ
 -6.2pp 11.6% 12.6% 12.5% 22%
CRE 41.1%
+3.4pp YoY
+1.3pp QoQ
 +1.6pp 39.5% 28.8% 41.4% 55%
1-4 Family 48.6%
-1.5pp YoY
-0.4pp QoQ
 +16.0pp 32.6% 26.7% 31.3% 81%
Consumer 2.7%
+0.2pp YoY
-0.1pp QoQ
 -1.4pp 4.1% 4.6% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 19.1%
+1.8pp YoY
+0.5pp QoQ
 +0.2pp 18.8% 23.3% 19.7% 74%
Leverage Ratio 9.6%
+1.0pp YoY
+0.3pp QoQ
 -2.6pp 12.2% 12.6% 12.6% 23%
Total Capital Ratio 20.3%
+1.8pp YoY
+0.5pp QoQ
 +0.4pp 19.9% 24.4% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 32
-1 (-3.0%) YoY
0 QoQ
 -27 58 70 482 30%
Assets per Employee ($) $6.6M
+5.5% YoY
+0.8% QoQ
 -$878K $7.5M $7.1M $8.8M 45%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.2pp 0.3% 0.4% 0.4% 48%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 20%
Allowance Coverage 6.61x
-34.0% YoY
-41.8% QoQ
 -17.54x 24.15x 22.44x 20.23x 76%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 20.3%
+0.8pp YoY
-0.1pp QoQ
 +8.1pp 12.2% 14.3% 11.6% 89%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 23%
Net Income ($, YTD) $1.8M
+36.6% YoY
— QoQ
 -$747K $2.6M $3.7M $40.4M 48%

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
#315 of 661 • Top 47.5% in tier

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

Why this signature
Return on Assets: 1.70%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#212 of 1256 • Bottom 16.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#245 of 936 • Bottom 26.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#322 of 742 • Bottom 43.3% 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: 19.05%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 78.97%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

416
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#416 of 2643 Top 15.7% in $100M-$1B
417
Tier 1 Capital Ratio
capital
Value: 19.05%
Peer Median: 15.91%
#417 of 2643 Top 15.7% in $100M-$1B
637
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.32%
#637 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026