LYONS NATIONAL BANK, THE

LYONS, NY | Large | Est. Jan. 1, 1865, midnight | FDIC #7151 | RSSD #323204 | OCC
Latest Report: 2025-12-31

LYONS NATIONAL BANK, THE is aln large FDIC-insured commercial bank headquartered in LYONS, NY, established in Jan. 1, 1865, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.9B. Profitability stands at 1.37% ROA and 18.39% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 12.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 3.68%. FDIC Certificate #7151.

Assets

$2.1B

Deposits

$1.9B

Loans

$1.6B

Equity

$158M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 18.39%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.43%
Cost of Funds 2.72%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.06%
Texas Ratio 3.68%
NPA Ratio 0.32%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 12.29%
Tier 1 Capital 12.29%
Total Capital Ratio 13.54%
Leverage Ratio 8.80%
Loan-to-Deposit 82.28%

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