Total Assets
$199M
Total balance-sheet footings
FDIC Cert #27727 · Lyons, Kansas · Est. 1913
Lyons Federal Bank - FDIC Bank Health Profile
A community-scale look at Lyons Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $199M
- Total assets
- A
- Health grade · Excellent
- 1.35%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Lyons Federal Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.50% Tier 1, profitable at 1.35% ROA, 63% efficiency ratio.
- #3,012
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 12.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Lyons Federal Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lyons Federal Bank's composite health score
Tier 1 Capital Ratio (12.50%) 35/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (0.49%) 20/20
Efficiency Ratio (62.63%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$170M
Customer-funded liabilities
Net Loans
$132M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lyons Federal Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lyons Federal Bank's score of 83/100 falls in the highlighted band.
Lyons Federal Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Lyons Federal Bank's $199M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.50%
Texas Ratio
0.49%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
9.81%
Efficiency Ratio
62.63%
What the numbers say about Lyons Federal Bank
Lyons Federal Bank is an FDIC-insured institution (Certificate #27727) headquartered in Lyons, Kansas, established in 1913. It holds $199M in total assets - 3,012th of 4,313 FDIC-insured banks, $170M in customer deposits, and $132M in net loans. On safety, its Tier 1 capital ratio of 12.50% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.49% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Lyons Federal Bank ranks 92nd of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$10M
Interest Income
$2M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lyons Federal Bank reports a Texas Ratio of 0.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lyons Federal Bank (FDIC Cert #27727) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Lyons Federal Bank's health grade?▼
Lyons Federal Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Lyons Federal Bank?▼
Lyons Federal Bank holds $199M in total assets and $170M in deposits, ranking 3,012th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lyons, Kansas.
Is my money safe at Lyons Federal Bank?▼
Yes, deposits at Lyons Federal Bank (Certificate #27727) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lyons Federal Bank's Tier 1 Capital Ratio?▼
Lyons Federal Bank has a Tier 1 Capital Ratio of 12.50%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Lyons Federal Bank?▼
Lyons Federal Bank has a Texas Ratio of 0.49%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lyons Federal Bank?▼
Lyons Federal Bank has an Efficiency Ratio of 62.63%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lyons Federal Bank's profile as a depositor or analyst.
- Lyons Federal Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lyons Federal Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.