The Lyon County State Bank (FDIC certificate #14952) is based in Emporia, Kansas. Its Q2 2026 call report shows $212.5M in total assets and $183.4M in deposits and 2 offices.
The Lyon County State Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 81st. Problem-loan coverage contributes the most (97/100, 1.5%); capital cushion contributes the least (46/100, 9.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (72 → 77), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.53% |
| Q3 2024 | 8.79% |
| Q4 2024 | 8.29% |
| Q1 2025 | 8.51% |
| Q2 2025 | 8.57% |
| Q3 2025 | 9.08% |
| Q4 2025 | 9.34% |
| Q1 2026 | 9.30% |
| Q2 2026 | 9.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $212.5M | 9.61% | 0.20% | 1.70% | 79.0% |
| Q1 2026 | 77 | $210.8M | 9.30% | 0.12% | 1.68% | 77.2% |
| Q4 2025 | 76 | $213.6M | 9.34% | 0.13% | 1.52% | 75.8% |
| Q3 2025 | 74 | $207.4M | 9.08% | 0.13% | 1.35% | 76.5% |
| Q2 2025 | 72 | $207.6M | 8.57% | 0.13% | 1.30% | 76.4% |
| Q1 2025 | 71 | $206.0M | 8.51% | 0.14% | 1.20% | 74.6% |
| Q4 2024 | 70 | $196.8M | 8.29% | 0.15% | 1.24% | 74.5% |
| Q3 2024 | 73 | $196.2M | 8.79% | 0.07% | 1.25% | 75.0% |
| Q2 2024 | 72 | $190.4M | 8.53% | 0.08% | 1.24% | 71.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TriCentury BankBank De Soto, KS | 77 out of 100, Strong | $213.8M | 10.8% | 0.00% | vs |
| Kendall BankBank Overland Park, KS | 39 out of 100, Low | $211.1M | 9.6% | 3.54% | vs |
| The Kansas State BankBank Ottawa, KS | 65 out of 100, Moderate | $208.4M | 9.2% | 0.85% | vs |
| Union State BankBank Clay Center, KS | 73 out of 100, Strong | $206.2M | 10.3% | 0.00% | vs |
| Halstead BankBank Halstead, KS | 69 out of 100, Moderate | $205.9M | 8.6% | 0.29% | vs |
| Carson BankBank Mulvane, KS | 70 out of 100, Strong | $219.9M | 8.3% | 0.02% | vs |
Deposit insurance
Is my money safe at The Lyon County State Bank?
Yes. The Lyon County State Bank is an FDIC-insured institution (FDIC certificate #14952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.8% of deposits ($16.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.31% (benchmark: 10%).
2 locations
Branches
The Lyon County State Bank lists 2 offices in 1 city. Most locations:
- Emporia, KS (2)
Identity & history
Profile
- Legal name
- The Lyon County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14952
- RSSD ID
- 796657
- Primary regulator
- FDIC
- Holding company
- Ottawa Bancshares Inc
- Established
- June 27, 1913
- Headquarters
- 902 Merchant St, Emporia, KS 66801
- Website
- www.mylcsb.com
- Employees
- 32
Quick answers
The Lyon County State Bank: common questions
Is The Lyon County State Bank FDIC insured?
Yes. The Lyon County State Bank is an FDIC-insured institution (FDIC certificate #14952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Lyon County State Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Lyon County State Bank ever failed?
There is no failure record for FDIC certificate #14952 in the FDIC failed bank list.
How many branches does The Lyon County State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Emporia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Credit Union of EmporiaCredit union Emporia, KS | 90 out of 100, Very strong | $42.1M | 15.3% | 0.56% | vs |
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
| Farmers and Drovers BankBank Council Grove, KS | 87 out of 100, Very strong | $221.9M | 25.4% | 0.37% | vs |
| The Farmers State Bank of Aliceville, KansasBank Westphalia, KS | 82 out of 100, Strong | $179.6M | 19.2% | 1.05% | vs |
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| Emporia State Federal Credit UnionCredit union Emporia, KS | 75 out of 100, Strong | $146.5M | 10.7% | 0.49% | vs |