Community Reinvestment Act

In accordance with the Community Reinvestment Act, Lyon County State Bank makes available all information in its public file.  Upon request, copies shall be provided either in paper or another form acceptable to the person making the request. 

As required by the Community Reinvestment Act, the information below is current as of April 1st of each year. 

  • Comments: All public comments received from the current year and the prior two calendar years that specifically relate to the bank's performance in helping to meet community credit needs, and any response to the comments by the bank. 
  • Performance Evaluation: A copy of the Public Evaluation of the bank's most recent CRA Performance Evaluation prepared by the FDIC. 
  • Banking Centers: A list of bank branches, their street addresses, and geographies as well as hours of operation. 
  • Banking Centers Opened/Closed: A list of branches the bank has opened or closed in the current year and each of the prior two calendar years. 
  • Products & Services: A list of products and services generally offered for consumer and business customers at the bank's branches. The bank's common fee schedule is also included:
  • Assessment Area: a map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area. 
  • Loan to Deposit Ratio: The loan to deposit ratio for each quarter of the prior calendar year.
Any comments or questions regarding Lyon County State Bank's public CRA file, the information listed above or Lyon County State Bank's CRA program should be addressed to LCSB's CRA Officer, Brandee Orrender. 

CRA Officer: Brandee Orrender
Lyon County State Bank
PO Box 488
Emporia, KS 66801