# LYONS FEDERAL BANK
LYONS, KS · FDIC certificate 27727 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $197.6M | |
| Deposits | $166.7M | |
| Loans and leases | $145.9M | |
| Total equity | $27.5M | |
| Loans / deposits | 86.42% (p73 of band) | 73.59% |
| Liquid assets / assets | 18.08% (p17 of band) | |
| Uninsured deposits / deposits | 23.86% (p65 of band) | 19.81% |
| Brokered deposits | 2.33% | |
| Wholesale funding | 3.16% (p65 of band) | |
| FHLB advances / assets | 0.82% | |
| Tier 1 leverage | 12.70% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | -0.89% (p78 of band) | -6.57% |
| AOCI / equity | 0.05% (p87 of band) | |
| ROA (annualized) | 1.06% (p43 of band) | 1.17% |
| Net interest margin | 4.41% (p73 of band) | 3.93% |
| Efficiency ratio | 62.85% (p42 of band) | |
| Noncurrent loans | 0.23% (p43 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 555.19% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 11.43% (p40 of band) | |
| Auto loans | $3.5M (2.41% of loans; DQ 0.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 30 | |

## 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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 4 | loans exceed deposits, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | assets shrinking |
| 2016-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  | loans exceed deposits |
| 2016-12 | 1 | liquid assets <10% |  |
| 2017-03 | 1 | loans exceed deposits | liquid assets <10% |
| 2017-06 | 1 | expense ratio p90 | loans exceed deposits |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | uninsured deposits leaving |  |
| 2025-03 | 0 |  | uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-01 [First Federal Bank in WaKeeney begins renovations - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFB2T2RXTmhDdzY0eTJmMFhUZGVqTEU5UnVEZXhiclJTVWowSTRjS0drRHdHV05KeGg0UVhmZWhYbHRibElBb3ZxMlZPQ1FLLUZGUXFKQ2VMQ3RWNV8xQkNsN19VVEJqODZyM3VvZG5WRHE?oc=5) · hayspost.com
- 2025-03-03 [Capital One and Wells Fargo Rated ‘Outstanding’ in CRA Compliance - PYMNTS.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbW5OWGtxek13djZyc0txVEdLdURyV2k4UU9sR0toYy1ZdmY3M2lHSUU5NEw3VmZVYWNuVUtSRG04aURBY1hLZWhLLUJxYko5YmZ2dHZuOVJGRlY5ei1QY3BpMHZhWG1NM1RTOWJYS1lsSG5jb21hMnBhdDBRcjhoTi05NGREM2d2d1lFb29ST2RmbFFPQm94UHJQbUNNMjh3ZjMwY0Q1VHFSTk5YaUl3c1VNRk50M3BzSHUyVDlB?oc=5) · PYMNTS.com
- 2020-10-16 [Condition improving for officer injured in Lyons shooting - KWCH](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdmtLUVJjeU90a3lhSlZCN0lsV1FZS2FneVRrdzJCc0tKZElfakgyZ2NyYzdkUHRTc3lBM3R3dUNWVzFBclBUMW1PY215RW9rMXp5ZEY2elpTeTlFY3FQV1hkUGhQY0xzZ2VjVG82Uk5QQ05tSENyRy02OWxyTDdfUU1uQVhOUWZXZjV0WG5KTVM2T215SHo4?oc=5) · KWCH
- 2023-09-20 [Obituary for Jan Mari (Zimmerman) Hanson - Tabor Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiYkFVX3lxTE94dDhId0k3OU5ienVTRmE1MTlwVldyczgwV1Y4STQzdjd1QmhsNm5XVVBhRjBjU1cyQ01BRWpNcTkySEZHSFU5LVI4ZTNseTNlWVdxQ1IxeGN3bnFmNThfSTJR?oc=5) · Tabor Funeral Home, Inc.
- 2020-10-17 [When Lyons officer was shot, this couple rushed in to help - Wichita Eagle](https://news.google.com/rss/articles/CBMibkFVX3lxTE4xRGs2U05abXdST244TFZURjM2UXpsaEV2Zm9yVGVFZjFpdDh3Q19Tb3hpRDZSY0NxZ0dWTTN0QWpGUDBpTXdoaERaUVFtX0pqWnZTcjdaSHlMMTlPOElOdVVWb09UcmtKd2VxZExR0gFuQVVfeXFMTjdMQmZrSW1NaENfQk54NkZ1QTVlbmhhRmNjQXV0b0QwOGxLNzdtTko2YXpjbF9yemY5enJ6OHVTbU5vZ1NJaTdfTHFoN016bzFUWENuNG5vQmVFTjYyWlQ1TU4yN3JTV09USjNzY0E?oc=5) · Wichita Eagle
- 2025-07-29 [Leslie James Berblinger Obituary (2025) - Wichita, KS - Downing & Lahey Mortuaries & Crematory - West Wichita - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUjNFTVdZbGJIQVhzT1d6Z0h0OFg1bDBqVGcwTU1BRXRuaGtxbGNUcHBSN0dpSGI5eFVFUE15ekNNejViUXZrZGhtLTE4REo4TkZzb1ppRGFPQ3NXTVVRa1V1ejE4TFgwSkRxZ21sTndibEVHNDhHTkFBcVRXRkVVdlJVMTl1SHM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27727 (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/15.json (key "27727", 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