BlastPoint's Banking Scorecard
The Lyndon State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 12135
Designations: ✓ Community bank
Lyndon, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Lyndon State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 39.03% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.7M
+2.4% YoY
+0.8% QoQ
|
-$112.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$87.7M
+7.8% YoY
+2.5% QoQ
|
-$51.5M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$77.2M
-1.1% YoY
-1.8% QoQ
|
-$106.4M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.03%
+94.6% YoY
-2.2% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.69%
+12.2% YoY
+1.5% QoQ
|
+0.84% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
78.26%
-10.9% YoY
+0.8% QoQ
|
+10.54% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.47%
-17.2% YoY
-31.0% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
113.56%
+9.0% YoY
+4.4% QoQ
|
+39.03% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.00%
+2.1% YoY
+1.6% QoQ
|
+3.61% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.39%
-12.7% YoY
-29.8% QoQ
|
-0.06% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.04%
+2.9% YoY
-0.2% QoQ
|
+4.18% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.46%
-2.1% YoY
+30.1% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
113.56%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.00% · Tier avg: 22.39%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 8.85%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
38
38th pctile
Total Loans
Current: $87.7M · Tier avg: $139.2M
24
24th pctile
Total Assets
Current: $104.7M · Tier avg: $217.5M
23
23th pctile
Efficiency Ratio
Current: 78.26% · Tier avg: 67.73%
20
20th pctile
Total Deposits
Current: $77.2M · Tier avg: $183.7M
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.56% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.56% · Tier avg: 74.53%
20
20th pctile
Total Deposits
Current: $77.2M · Tier avg: $183.7M
23
23th pctile
Efficiency Ratio
Current: 78.26% · Tier avg: 67.73%
24
24th pctile
Total Assets
Current: $104.7M · Tier avg: $217.5M
38
38th pctile
Total Loans
Current: $87.7M · Tier avg: $139.2M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.00% · Tier avg: 22.39%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%