# LYNDON STATE BANK
LYNDON, KS · FDIC certificate 12135 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $115.1M | |
| Deposits | $85.1M | |
| Loans and leases | $97.9M | |
| Total equity | $10.3M | |
| Loans / deposits | 114.05% (p98 of band) | 73.59% |
| Liquid assets / assets | 10.71% (p5 of band) | |
| Uninsured deposits / deposits | 14.76% (p30 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 16.50% (p92 of band) | |
| FHLB advances / assets | 16.50% | |
| Tier 1 leverage | 9.51% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -10.20% (p40 of band) | -6.57% |
| AOCI / equity | 0.21% (p92 of band) | |
| ROA (annualized) | 1.77% (p79 of band) | 1.17% |
| Net interest margin | 4.91% (p88 of band) | 3.93% |
| Efficiency ratio | 62.25% (p41 of band) | |
| Noncurrent loans | 0.28% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | 293.12% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 24.53% (p58 of band) | |
| Auto loans | $2.1M (2.19% of loans; DQ 2.34%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | expense ratio p90, charge-offs p90, assets shrinking |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 | capital falling | expense ratio p90, charge-offs p90, assets shrinking |
| 2016-06 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2016-09 | 2 |  | capital falling, charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | losing money, expense ratio p90 |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | expense ratio p90 |
| 2018-03 | 2 | expense ratio p90, charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 1 | expense ratio p90 |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | expense ratio p90 |
| 2020-03 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2020-06 | 2 | capital falling, reserve under noncurrent | expense ratio p90, uninsured deposits leaving |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, reserve under noncurrent |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling, reserve under noncurrent |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | wholesale funding >15% |  |
| 2024-06 | 4 | capital falling, noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2024-09 | 1 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | wholesale funding >15% |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-07-03 [Lyndon to ‘get fired up for freedom’ during Saturday celebration - Osage County Online](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1rSlRnOW9CU3NRZ3lkU0d1ck9BY0JFclVjU2JUcmtucTZCUE9jbDVPZXJtMXktSHdIQzItVUpIR2VrbFZELUlOMldCR3p6aUtNYTRid0tnM0RuZHM?oc=5) · Osage County Online
- 2025-11-21 [Trooper Adam Ellis, wounded in Osage County incident, released from hospital - WIBW](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZXRnMU5wdW5zc25ScnZRN016ZnQ3TmhkQ3hIVWRDbERQVk9vLWZTRnVhU0RoRGl2TXFOV0RaWHdqRE1iQzlOSk1kcFJzaW1XQVVROEpUMmNGT1V4X05NYk92UENRVGpuRzJCeExqcEdhRXk1M0sxaEhEWElrRHFJVDJzM0JnUU9IM3JoYTAxSDRuUlduZ3lUdnd0SkoxTlZj0gG0AUFVX3lxTE1MRGJ0clliNlA3ZEdtaHBncVhVLTMtdEFtOEJscWkwVkYtS0NUSDRKcmxPWTF1V3ZEcm5vdDktSFFpb0VLRG56UWFxdm1Cd09HMHB3bGRoQWxGTjZMM1U5WW94Y1VlRE1VampYcHFPNzIzV3NOaEN3TDRLNE80dG5aZkFpUFJFZERKaXRnUUpYN1FwUkhpVUp6RG1QSzc1U2MxTFFQSTZESzYzWVo4dEdZU0d6OQ?oc=5) · WIBW
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2012-11-18 [Dorothy English Obituary (2012) - Lawrence, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimgFBVV95cUxOT3ZYdkNlODJYcGhwMU85aENaOFpXYjBValNZSVowMWxhN2t1bER1RkJPcVdCNFpaQnU5aERNdmlhcmc5cnZMM3k3SjFNZ3VjdW1zZVluLVI0WkI4SHJfRTRiaDVNY3U0cXdMZlVJRFBBdk10MDdBQVlXdE9PenpDLUxxMExWOUFZZXhLMkY3MW0wTGo5LUY5c1Jn?oc=5) · Lawrence Journal-World
- 2024-09-12 [Brandon Blake Toler Obituary Jan 18, 2014 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBTcTBwNFdubzZrUnk1WjFCMTJXREJ2S091QVI1ZEg5X2lQLXNnSEZLSWYtWmhrUWtCdGNoa0MxQTlTMkRTWE82eFRHVzZPYk51bDFlcjFMSWJrY0t1eGRBdTVpUXhOamFD?oc=5) · Dove Cremations &amp; Funerals
- 2025-11-17 [Three deputies, Kansas Highway Patrol trooper identified after Osage County shooting - KMBC](https://news.google.com/rss/articles/CBMihgFBVV95cUxOeWZWVVNUMGlvMzhXVnZVR2ZRR2NsRmo1Y3ZTTUdLaU9VdEhNMzI0MU1uMi1iUzZLXzlUNHEtR2Jvd1dybU9vZ0stck5CQWxxTVRLcHBGRXNBdGhzWnEtYnRrLUdKSUdudjM3a0RXNkJXeUsxdmhYZkhNeUdLZzVCZ25kblFaQQ?oc=5) · KMBC
- 2013-09-03 [Topeka man sentenced for February bank robbery - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcU5CNlNZZEp2SkZObHAxQThDUW5FVmFBTjNVUXdtd3d6OWIyaXl5V0dZYnE3ZFNGYVZPZUlsdTl4cDRCZTR1NHRzMEJzMjVTeHNkNXNVSkpzeHFhUW1XVTJKTm9HellQeXRZUHJtUjBZZDNSdEhNZEZUYWt2cjBUNlhJSzZlVmh4cThCRFpHVkpBSHBSb2RGUVVNUEN2bHl6M1FzRTBxYnBFdmFD?oc=5) · The Topeka Capital-Journal
- 2001-04-13 [Harold McDaniel Obituary Apr 13, 2001 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBiczZxUUJEQjBKWXZPR3dyZng4QUNoR2JvbVNuRVBRaEFHWEZ5cldpWkdvT0V3ZzlvNTNLN3ZXRVQ0UnU4QkhwdEt1MjZUUDJRMHFXQzBYTDNUSzRM?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12135 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "12135", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide