The Lyon County State Bank
Emporia, KS
IDRSSD: 796657
Total Assets
$213.55M
Latest filing
Total Deposits
$185.22M
Latest filing
Net Interest Margin
3.87%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Lyon County State Bank
902 Merchant St
Emporia, KS 66801
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/27/1913FDIC Certificate 9366
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Lyon County State Bank (Main) | 902 Merchant St | Emporia, KS |
| SUBURBAN BRANCH | 1202 Industrial Rd | Emporia, KS |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/27/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66801 |
| State and County Number | 20111 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Emporia, KS |
Operational Info
| Number of Employees | 32 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/28/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mylcsb.com |
| Data Updated | 01/30/2026 |
| CERT | 14952 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $213.55M |
| Total Deposits | $185.22M |
| Total Liabilities | $195.76M |
| Total Equity Capital | $17.80M |
| Net Income | $1.07M |
| Net Loans and Leases | $140.44M |
| Assets Per Employee ($Millions) | $6.47M |
| Bank Premises and Fixed Assets | $2.03M |
| Cash and Balances due from Depository Institutions | $3.38M |
| Deposits Held in Domestic Offices | $185.22M |
Key Performance Ratios
| Return on Assets (ROA) | 2.04% |
| Return on Equity (ROE) | 25.24% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 56.4% |
| Tier 1 Risk-Based Capital Ratio | 18.694% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.334% |
| Earning Assets to total Assets | 96.84% |
Income and Expense
| Total Interest Income | $2.67M |
| Total Noninterest Income | $705.00k |
| Total Interest Expense | $700.00k |
| Total Noninterest Expense | $1.51M |
| Net Interest Income | $1.97M |
| Pre-tax Net Operating Income | $1.12M |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.61M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $533.00k |
| Total Liabilities and Capital | $213.55M |
Securities
| Securities | $51.26M |
| Available-for-sale debt securities | $51.26M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Lyon County State Bank?
$213.55M as of the latest filing.
How much are The Lyon County State Bank's total deposits?
$185.22M in total deposits.
Where is The Lyon County State Bank located?
Emporia, KS.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
2.
When was it established?
06/27/1913.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$140.44M (latest filing).
What is the total interest income (latest filing)?
$2.67M.