The Lyon County State Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, The Lyon County State Bank's strongest measure in Q2 2026 is return on assets (1.70% vs. a 1.43% peer median). Its weakest relative measure is net interest margin (3.82% vs. 3.93%).
| Measure | The Lyon County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.43% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 3.93% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.32% | 58.90% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.0M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.97% | 76.80% | Context |
What it means for lending operations
Its efficiency ratio of 59.32% is above the 58.90% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- TriCentury Bank De Soto, KS · $214M
- Kendall Bank Overland Park, KS · $211M
- The Kansas State Bank Ottawa, KS · $208M
- Union State Bank Clay Center, KS · $206M
- Halstead Bank Halstead, KS · $206M
- Carson Bank Mulvane, KS · $220M
Questions about The Lyon County State Bank
How big is The Lyon County State Bank?
The Lyon County State Bank, established in 1913, is headquartered in Emporia, KS. It reported $212M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Lyon County State Bank's return on assets?
1.70% annualized in Q2 2026, against a 1.43% median for 80 KS banks with half to twice its assets, ahead of 76% of them.
What is The Lyon County State Bank's efficiency ratio?
59.32% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 58.90%, and lower is better.
Is The Lyon County State Bank growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.