BlastPoint's Banking Scorecard
Lyons Federal Bank
Designations: ✓ Mutual
Lyons, KS
4 branches across KS
Lyons Federal Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.5% in tier
- - ROA 0.19% below tier average
- - Efficiency Ratio 0.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.5M
+10.0% YoY
-4.3% QoQ
|
-$195.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$139.6M
+12.1% YoY
+6.1% QoQ
|
-$116.2M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$160.0M
+10.2% YoY
-5.7% QoQ
|
-$168.0M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.08%
+72.8% YoY
-19.9% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
4.23%
+8.2% YoY
+2.9% QoQ
|
+0.30% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
65.74%
-11.3% YoY
+5.0% QoQ
|
+0.45% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.24%
+184.8% YoY
+128.4% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
87.23%
+1.7% YoY
+12.5% QoQ
|
+10.59% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
17.20%
-5.4% YoY
+10.1% QoQ
|
-4.82% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.17%
+190.2% YoY
+153.4% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
12.66%
+0.6% YoY
+1.2% QoQ
|
-3.17% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.08%
-61.0% YoY
-91.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
36% |
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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 (0)
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.