Lyons Federal Bank: how it compares with its peers
Against 83 KS banks with half to twice its assets, Lyons Federal Bank's strongest measure in Q2 2026 is net interest margin (4.41% vs. a 3.95% peer median). Its weakest relative measure is return on assets (1.06% vs. 1.43%).
| Measure | Lyons Federal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.43% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 3.95% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.85% | 59.00% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.0M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.42% | 76.39% | Context |
What it means for lending operations
Its efficiency ratio of 62.85% is above the 59.00% 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
- The Fidelity State Bank and Trust Company Dodge City, KS · $195M
- The Valley State Bank Belle Plaine, KS · $201M
- The First National Bank of Louisburg Louisburg, KS · $201M
- Garden Plain State Bank Wichita, KS · $191M
- Citizens Federal Savings Bank Leavenworth, KS · $190M
- Halstead Bank Halstead, KS · $206M
Questions about Lyons Federal Bank
How big is Lyons Federal Bank?
Lyons Federal Bank, established in 1913, is headquartered in Lyons, KS. It reported $198M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Lyons Federal Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.43% median for 83 KS banks with half to twice its assets, ahead of 19% of them.
What is Lyons Federal Bank's efficiency ratio?
62.85% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 59.00%, and lower is better.
Is Lyons Federal Bank growing its loans?
Net loans grew 10.6% over the year to Q2 2026, while deposits grew 12.3%.
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.