BanksLYONS NATIONAL BANK, THE

LYONS NATIONAL BANK, THE

LYONS, NYLargeEst. Jan. 1, 1865, midnightFDIC #7151RSSD #323204OCC
Latest · 2025-12-31

LYONS NATIONAL BANK, THE is an 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%. CET1 capital ratio: 12.29%, well above regulatory minimums. NPL ratio: 0.43% · Texas Ratio: 3.68%. Operates 16 domestic branches.

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 Margin3.54%
Yield on Assets5.43%
Cost of Funds1.90%

Asset Quality

NPL Ratio0.43%
Net Charge-Off Ratio0.06%
Texas Ratio3.68%
NPA Ratio0.32%
ACL / Loans1.48%

Capital & Liquidity

CET1 Ratio12.29%
Tier 1 Capital12.29%
Total Capital Ratio13.54%
Leverage Ratio8.80%
Loan-to-Deposit82.28%

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