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The Lyon County State Bank

Emporia, KS
IDRSSD: 796657
Total Assets
$207.45M
Latest filing
Total Deposits
$180.52M
Latest filing
Net Interest Margin
3.69%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date06/27/1913
Community BankYes
Ownership TypeNot Mutual
ZIP66801
State and County Number20111
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameEmporia, KS

Operational Info

Number of Employees33
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance12/28/1934
Primary Insurance AgencyDIF
Websitewww.mylcsb.com
Data Updated11/14/2025
CERT14952
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$207.45M
Total Deposits$180.52M
Total Liabilities$191.18M
Total Equity Capital$16.27M
Net Income$743.00k
Net Loans and Leases$138.18M
Assets Per Employee ($Millions)$6.48M
Bank Premises and Fixed Assets$1.98M
Cash and Balances due from Depository Institutions$3.93M
Deposits Held in Domestic Offices$180.52M

Key Performance Ratios

Return on Assets (ROA)1.43%
Return on Equity (ROE)19.21%
Net Interest Margin3.69%
Efficiency Ratio63.24%
Tier 1 Risk-Based Capital Ratio17.967%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.09%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.844%
Earning Assets to total Assets96.45%

Income and Expense

Total Interest Income$2.54M
Total Noninterest Income$383.00k
Total Interest Expense$695.00k
Total Noninterest Expense$1.41M
Net Interest Income$1.84M
Pre-tax Net Operating Income$773.00k
Provision for Credit Losses$45.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$10.00M
Federal Funds Sold & Reverse Repurchase Agreement$8.66M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$655.00k
Total Liabilities and Capital$207.45M

Securities

Securities$52.75M
Available-for-sale debt securities$52.75M
Equity securities with readily determinable fair values not held for trading$0
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?
$207.45M as of the latest filing.
How much are The Lyon County State Bank's total deposits?
$180.52M in total deposits.
Where is The Lyon County State Bank located?
Emporia, KS.
What is the Net Interest Margin?
3.69%.
How many domestic offices does it operate?
2.
When was it established?
06/27/1913.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$138.18M (latest filing).
What is the total interest income (latest filing)?
$2.54M.