B
The Lyon County State Bank
EmporiaKS
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Lyon County State Bank
Emporia, KS
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Rating B
Asset Quality Index 8.90
Capitalization Index 7.10
Liquidity Index 3.00
Profitability Index 5.40
Stability Index 6.10
Company Info The Lyon County State Bank
Emporia, KS
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FDIC Number 14952
Phone Number (620) 342-3523
Website www.mylcsb.com
Asset Quality The Lyon County State Bank
Emporia, KS
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1-Year Asset Growth 5.74%
5-Year Asset Growth 7.94%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 0.86%
Non-Performing Loans to Loans 0.20%
Balance Sheet The Lyon County State Bank
Emporia, KS
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Total Assets 207.45M
Total Deposits 180.52M
Capital and Reserves The Lyon County State Bank
Emporia, KS
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Capital 16.27M
Leverage Ratio 9.08
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 19.22
Liquidity The Lyon County State Bank
Emporia, KS
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Hot Money Ratio 13.54%
Liquidity Ratio 26.94%
Profitability The Lyon County State Bank
Emporia, KS
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5-Year Return on Average Assets 1.02%
Net Income 2.07M
Net Interest Spread 3.53%
Operating Profit to Average Assets 1.36%
Overhead Efficiency Ratio 65.27%
Return on Assets 1.32%
Return on Equity 19.42%