# LYONS STATE BANK
LYONS, KS · FDIC certificate 15604 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $96.7M | |
| Deposits | $80.4M | |
| Loans and leases | $54.3M | |
| Total equity | $12.6M | |
| Loans / deposits | 66.39% (p31 of band) | 77.89% |
| Liquid assets / assets | 42.39% (p74 of band) | |
| Uninsured deposits / deposits | 19.24% (p64 of band) | 15.76% |
| Brokered deposits | 3.77% | |
| Wholesale funding | 7.24% (p76 of band) | |
| FHLB advances / assets | 3.47% | |
| Tier 1 leverage | 12.87% (p67 of band) | 11.44% |
| Unrealized securities loss / equity | 2.36% (p82 of band) | 0.54% |
| AOCI / equity | 5.87% (p83 of band) | |
| ROA (annualized) | 1.19% (p60 of band) | 1.03% |
| Net interest margin | 3.53% (p32 of band) | 3.82% |
| Efficiency ratio | 72.47% (p58 of band) | |
| Noncurrent loans | 0.06% (p22 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 3174.19% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 5.76% (p31 of band) | |
| Auto loans | $1.2M (2.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## 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 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, losing money |  |
| 2014-06 | 0 |  | capital falling, losing money |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | charge-offs p90, deposits shrinking |  |
| 2015-12 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2016-03 | 1 |  | charge-offs p90, wholesale funding >15%, uninsured deposits leaving |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | charge-offs p90, assets shrinking |  |
| 2017-03 | 0 |  | charge-offs p90, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |

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

- 2016-11-05 [Dale Snyder - The Hutchinson News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPamRJTXhfcmhzME00SEFWdklNbktOeV84VG5SNTVfVEo5WDZvS19jODE1anEydFZTcXl1RU9JRU9zbjVWci1sWlJFOGZHMHF3LUQ4aGhNUFBhSlJXek9pVEk4NWpqOVl5Z0poUklsc090S0d4akNWSURwd3dweEJOd2pVUFFRNVVNSi10QU5BNDBVTmV2?oc=5) · The Hutchinson News
- 2026-04-27 [Charlotte Ann Gates Obituary Apr 1, 2014 - Elliott Mortuary & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTFB0N0F0enpzaW1qU3lkUUN4OHl6MmFnczFuVVRYQ3dabUVFQTFLYmRINVJGRXlqd05iZ0FGbmlLNWF2MkR3aDdOWDFFdnJNNGVRNTVfeEowQUJnV0VtQnhqbXBxNWN0cGVVWHc?oc=5) · Elliott Mortuary &amp; Crematory
- 2017-02-18 [Larry Dean Shaw 1955 - 2017 - Great Bend Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE9Rd2NoOWJpY3owS3J0TGNVbm9qUExta2RVSG1oOXVkeS0wN2hLZ2FDOGVFS0k2djFySVZYM0ZTSHNVSlBzaTdWaktsb1VWRFQ0bTZyT3lRa0xUdDItYml3WW1sUzc5dzJIbXk5NWh2T00?oc=5) · Great Bend Tribune
- 2026-05-13 [Norma Jean Darrah Obituary Mar 15, 2018 - Elliott Mortuary & Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1VbERLY3N0UmZrWTY5U2c3Uk1iVEc5VHNSbnU2eHJwVk9Eb18xVmhTeVA2ejJzalhLRERheGY3X0pQYW9GdXlZeXpzVXRDM21XVG9SQl9PRUlEck9NMEljOHVmckxTZw?oc=5) · Elliott Mortuary &amp; Crematory
- 2009-01-09 [Leonard Koenig Obituary (2009) - Hutchinson, KS - Wichita Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxPQ0xyelR6QVptOXBzb0tpangyZVdVRmN3bllySWoySk1Qb1NSSVN6UktPYzRBNlNpdUswaEV5VXE2QWhOSXJqektLOVBBMmhxd193dGt5NUZfTFJyZFNPYnR3STNXSE1MNGVXQTFJM08wYjRORlM0TmVtUXI1S3lvVmFydjdRcmUtakRDeg?oc=5) · Legacy obituary
- 2017-05-26 [Following a remodel, small-town grocery store's future looks bright - The Hutchinson News](https://news.google.com/rss/articles/CBMipgFBVV95cUxQS3VVdG5JN1RrLWZic01RZ1pMLXVoWnRqM29UcGVVSlJURmlERTgtamxLV21mT0FaTGluRW9kZU8xN3ROOTAybGRsWENzdFBBcmdweWhNSDBzUmM2YlVpRjRORnIzZUVPSFA4c3A5LVlZZmFERURNdkV5bGxYNGc1ajJYM09zSEluQzdPN1UxNTNKZ1BXdHRIN2U3aHI0ajE1aXdzZjZR?oc=5) · The Hutchinson News
- 2009-01-08 [Leonard V. Koenig Obituary Jan 8, 2009 - Elliott Mortuary & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1jWHZCQ1pObTBQZXFlVzJpakVmNS1TRDR6SnFpd01WOWU5SFJYTWpLQjlxVnZlWDI3TVVuNUJUTXhLb1NJaFM3MlZ6UjhaS0xWME9SaXJXOUNhbXZuaGNIZWJ4ZnBXRi1q?oc=5) · Elliott Mortuary &amp; Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15604 (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/52.json (key "15604", 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