# LYON COUNTY STATE BANK
EMPORIA, KS · FDIC certificate 14952 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $212.5M | |
| Deposits | $183.4M | |
| Loans and leases | $146.8M | |
| Total equity | $18.4M | |
| Loans / deposits | 78.97% (p60 of band) | 73.59% |
| Liquid assets / assets | 30.03% (p44 of band) | |
| Uninsured deposits / deposits | 8.81% (p10 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.71% (p72 of band) | |
| FHLB advances / assets | 4.71% | |
| Tier 1 leverage | 9.61% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -12.40% (p35 of band) | -6.57% |
| AOCI / equity | 0.18% (p91 of band) | |
| ROA (annualized) | 1.70% (p76 of band) | 1.17% |
| Net interest margin | 3.82% (p44 of band) | 3.93% |
| Efficiency ratio | 59.32% (p34 of band) | |
| Noncurrent loans | 0.20% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | 660.94% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 10.55% (p39 of band) | |
| Auto loans | $2.2M (1.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 32 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2013-03 | 0 |  | capital falling, losing money, expense ratio p90 |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2013-12 | 1 | AOCI drag >20% of equity | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, assets shrinking |  |
| 2016-06 | 1 |  | deposits shrinking |
| 2016-09 | 0 |  | assets shrinking |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 3 | losing money, expense ratio p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 1 |  | losing money |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2018-06 | 1 |  | deposits shrinking, assets shrinking |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | charge-offs p90 |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2020-01-24 [After 39 years, Lyon County State Bank announces new president - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNGx5bG5GZGJMc2VSM3pfTDdtYmZfUlROQW5OZmFXcnc5eWtja0g5Y3VhSW9JRFFOWDQxTTY1S1lkQk9MWDBqTUxjSC0zaklhRjliYXoxRHFDLTNOVGxxb2FvT2ZiQnAtcnh2Z3R3YnVrWGNodExlVHU1eGVacGR1Ulh2T25hYzJEdk9KSHJR?oc=5) · Emporia Gazette
- 2014-02-26 [Lyon County State Bank to acquire Emporia Bank of America Branch - Emporia Gazette](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOd1owMlJHVllMbU9KV0dZemtvR1NERFFfXy1GUFdGc0RZazRrMFNYdXFrOUljYW9mbWlvVVF1UTFKMENPYldYcWdpclFJbFR2VllrcUZvOWQtem5jU1NjdnJCeWxHajg4NzNXSXJidWs1TVRzWUZVRVB2Ul9rVmxYNWFVZkxoMlUtYm1RSGMtQk41S3RZbjV3NmFjdTFmUVlIZDBJdUlnejA?oc=5) · Emporia Gazette
- 2020-11-27 [‘It’s very exciting’: New coin features Kansas tallgrass prairie preserve in Flint Hills - Wichita Eagle](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1zYm9JenJvQldLVXBjRlFfcXp0Si1wMWY4cWxackktRUhjSWhYZzdsZEotWDVIWGphOG5wSXN1WFlHdTJsNEdqdkFfTFJpM2piNzF5QkM1QnNReGpZREdCSllHQnlPd9IBZkFVX3lxTE9UQXFRUV8zTzRXWGVOYmVWWEU3aG8wQWJQNkpfN25vMTk2S01ib1ljSGxVeFZSQ2l5V21KeDJxcmpueXRpTzdwczZSNHhuVkx5cTBiVG9hSU1xem9XUmd1VUFpbVV1dw?oc=5) · Wichita Eagle
- 2017-12-15 [Scam alert: Police warn of bogus "Secret Shopper" mail - wfirnews.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQcml0TnJJMHV0S0FWZ2txMV8zMzlGNGczRHRMeEZRT1hiTFk4Sk0yLUprVV9KNkdLY0xadXY3WkhlcTdvTUJDYm1Fbi1XX29CMnhnb1ctamtySERvNnFZanVMdWZ1MXZRTFZzR0gtOGJuYkN2VTFGQm5uN1lvblIyZjRBbw?oc=5) · wfirnews.com
- 2026-05-22 [Clayton Hobble Obituary (2026) - Emporia, KS - Roberts-Blue-Barnett Funeral Home- Emporia - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWG4wTnY4YkRTQWZ0SUNtQzVST2MxZUNydjFsc05UX0Z0VmZuNjNCeE9GZE8wN2RUejl4T1AxcmpuRW5rLXhoejhIU3lybS1WQ243WjdNMm5OVzJ4a25tQ3R5dDBvbl9tU0Z3Ull2NzZwU0EtMDk1NTJMWkdsVlBwQ2FRMA?oc=5) · legacy.com
- 2014-07-15 [Lyon County State Bank Completes Acquisition of Emporia Branch from Bank of America - Emporia Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxORS1zakVZdXRiQ2ZXS2hjMVI5ekN5NnFUU29JZnZKQ2dJX01ITTNfQTl6X2FmVEhCczFlX1Vyd2hqZ0pnUjh0WnFqbWNYeW1tbS00bXJNMGdlQzJwUjlxb3VwLW51cHJUMXN3WEUtbE5tYmxvNzh5VXprS0RMM3ZUS21pZEd5OTBwZ2pNYXFCUjQwb3BX?oc=5) · Emporia Gazette
- 2025-12-28 [Lannette "Lanny" Susan Linebarger Obituary (2025) - Emporia, KS - Roberts-Blue-Barnett Funeral Home- Emporia - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeWotc2lhR3RGN1g1TmhlZ2taaVZvY0Q5bXhCRFp3ODMzQlVqZmNSMFBhbV9PcHZSVHg0UjFBbEJRcEdGUkI4empITERQVGtJRlVaenlrcUdfM2JWb3ZmeEFTRzlCR2daSzVoQ2JXaFpnTGxmVXlVUGQzeU56S0pLLTkybWFDS3BSdXFGbWxQbDJpUQ?oc=5) · legacy.com
- 2019-01-07 [Virginia Sue Trowbridge - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxQT0tScURmeEV3WEVEREdodFZTTUhLWXZ1Y3pTcmR6WHVnRDhNX0NzYzh5MDFUOTkySzJuVnh0WWFXRmRRUzFFYl9ncDFJMzBJWWZ6M0hEbC1ZdlVwSXZ0dzhSMmtFVFhURk1jbU5KdEFBMTh4OEFNV3gtS0FCRXRsZWFuY1cyS0JFU1JwUHZn?oc=5) · Emporia Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14952 (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/40.json (key "14952", 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