Total Assets
$214M
Total balance-sheet footings
FDIC Cert #14952 · Emporia, Kansas · Est. 1913
The Lyon County State Bank - FDIC Bank Health Profile
A community-scale look at The Lyon County State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $214M
- Total assets
- A
- Health grade · Excellent
- 1.52%
- Return on assets
- 18.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Lyon County State Bank earns a PlainBankData health grade of A (93/100), with well-capitalized at 18.69% Tier 1, profitable at 1.52% ROA, 63% efficiency ratio.
- #2,925
- largest of 4,313 FDIC banks by assets
- 32nd
- percentile by asset size, nationally
- 18.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 14952 · KS A · 93/100
GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL
- GRADE-A A (93/100)
- UPPER-Q #483/4307
- PHOTO-FINISH Bank of Dixon County · NE
- TIER1-WELL 18.7% Tier 1
- TEXAS-CLEAN 0.9% Texas
- ROA-STRONG 1.52% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kansas: Bank of Dixon County, NE (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around The Lyon County State Bank
Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.
Call Report read for The Lyon County State Bank in a high-failure state
The Lyon County State Bank (FDIC Cert #14952) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #483 of 4,307. Tier 1 capital prints at 18.69%, clearing the 10% well-capitalized line. The Texas Ratio is 0.92%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.52%. Balance-sheet scale is $214M, 2,925th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Dixon County (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around The Lyon County State Bank
12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus
The Lyon County State Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about The Lyon County State Bank's current Call Report.
- HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
- ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
- THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.
How The Lyon County State Bank's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (18.69%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (0.92%) 20/20
Efficiency Ratio (62.67%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$185M
Customer-funded liabilities
Net Loans
$140M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Lyon County State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Lyon County State Bank's score of 93/100 falls in the highlighted band.
The Lyon County State Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
93 Top 11% higher than 89% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
The Lyon County State 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). The Lyon County State Bank's $214M falls in the highlighted band.
Capital & credit buffers at The Lyon County State Bank
Tier 1 capital ratio
Well-capitalized 10%
18.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.69%
Texas Ratio
0.92%
Equity Capital
$18M
Earnings posture at The Lyon County State Bank
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
21.02%
Efficiency Ratio
62.67%
Income & expense at The Lyon County State Bank
$10M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Lyon County State Bank reports a Texas Ratio of 0.92% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($214M here), outside Kansas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Lyon County State Bank (FDIC Cert #14952) - 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.
The Lyon County State Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |