BlastPoint's Banking Scorecard
Lyons Federal Bank
Designations: ✓ Mutual
Lyons, KS
4 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 +12.3% year over year ($166.7M on the books).
- Delinquency rate 0.23%.
- Return on assets 1.06%.
- Efficiency ratio 62.85% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.42% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lyons Federal Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 1.63% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.7% in tier
- - ROA 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.6M
+10.7% YoY
+3.7% QoQ
|
-$189.0M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$144.0M
+10.6% YoY
+3.2% QoQ
|
-$114.3M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$166.7M
+12.3% YoY
+4.2% QoQ
|
-$160.0M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
1.06%
-6.3% YoY
-1.9% QoQ
|
-0.27% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
4.41%
+7.1% YoY
+4.4% QoQ
|
+0.43% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
62.85%
-1.9% YoY
-4.4% QoQ
|
-1.63% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.23%
+317.2% YoY
-1.7% QoQ
|
-0.68% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
86.42%
-1.5% YoY
-0.9% QoQ
|
+8.46% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
14.75%
+23.5% YoY
-14.2% QoQ
|
-7.28% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.17%
+317.0% YoY
-2.1% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
12.70%
-0.1% YoY
+0.4% QoQ
|
-3.21% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.20%
-58.2% YoY
+170.5% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
14.8%
+2.8pp YoY -2.5pp QoQ |
-7.4pp | 22.1% | 22.3% | 22.2% | 23% |
| Brokered Deposits |
2.8%
-0.4pp YoY -1.2pp QoQ |
-5.1pp | 7.9% | 8.7% | 8.5% | 36% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
-0.6pp YoY -0.3pp QoQ |
-5.0pp | 11.6% | 12.6% | 12.5% | 30% |
| CRE |
10.7%
+3.6pp YoY +1.7pp QoQ |
-28.9pp | 39.5% | 28.8% | 41.4% | 6% |
| 1-4 Family |
34.8%
-0.7pp YoY -0.6pp QoQ |
+2.2pp | 32.6% | 26.7% | 31.3% | 61% |
| Consumer |
3.3%
-1.1pp YoY -0.4pp QoQ |
-0.8pp | 4.1% | 4.6% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
12.7%
0.0pp YoY 0.0pp QoQ |
+0.5pp | 12.2% | 12.6% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+3 (+11.1%) YoY +3 (+11.1%) QoQ |
-29 | 58 | 70 | 482 | 26% |
| Assets per Employee ($) |
$6.6M
-0.4% YoY -6.7% QoQ |
-$933K | $7.5M | $7.1M | $8.8M | 44% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.3pp | 0.3% | 0.4% | 0.4% | 42% |
| Nonaccrual |
0.2%
+0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 27% |
| Allowance Coverage |
5.55x
-76.3% YoY +2.1% QoQ |
-18.60x | 24.15x | 22.44x | 20.23x | 72% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.7%
-0.6pp YoY -0.2pp QoQ |
-4.5pp | 12.2% | 14.3% | 11.6% | 24% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 71% |
| Net Income ($, YTD) |
$1.0M
+3.1% YoY — QoQ |
-$1.5M | $2.6M | $3.7M | $40.4M | 28% |
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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.