The Lyons National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Lyons National Bank is an FDIC-insured commercial bank headquartered in Lyons, NY, established in 1865 (FDIC certificate 7151), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.13B, up 4.2% from Q2 2025, the 37th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 12.59% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7151
- Headquarters
- Lyons, NY
- Established
- 1865
- Total assets, Q2 2026
- $2.13B
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 12.59%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 022304616
- Latest call report
- Q2 2026, FFIEC 051 · The Lyons National Bank call report
- Holding company
- LYONS BANCORP, INC.
- Asset rank in state
- 37th of 105 in New York
The Lyons National Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.1 billion at June 30, 2026, up 4.2% from a year earlier; it is based in Lyons, New York. It funds 9.02% of its assets with Tier 1 capital, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it holds commercial real estate loans worth 1.4 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 20% from a year earlier, to $6.2 million. Delinquency has appeared in its $167 million non-owner-occupied commercial real estate book: 1.29% of those loans are past due or on nonaccrual, against almost none a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.30% a year earlier.
As of June 30, 2026, The Lyons National Bank reported a CET1 capital ratio of 12.59%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.63%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, The Lyons National Bank is the 37th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $2.13B, loans rose 1.0% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 48.9% of total loans, ahead of owner-occupied commercial real estate loans at 11.0%. Its 17 offices in the FDIC Summary of Deposits are in 15 cities in NY; its Lyons 2 offices book 16% of its branch deposits. On its Q2 2026 call report, The Lyons National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 35 William St, Lyons, NY 14489
- County
- Wayne
- Metro Area
- Rochester, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1865
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 226
- Domestic deposits
- $1.94B
- Allowance for credit losses
- $23.7M
- Net charge-offs (YTD)
- $328K
- Average total assets
- $2.14B
- Average total loans
- $1.56B
- Average interest-bearing deposits
- $1.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7151
- Fed RSSD
- 323204
- SEC CIK
- 816332 → filed by LYONS BANCORP, INC.
- Website
- www.bankwithlnb.com →
- Parent Holding Company
- LYONS BANCORP, INC. (RSSD 1246476)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Lyons National Bank's total assets moved between a low of $1.85B (Q4 2023) and a high of $2.13B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.13B total assets against $2.05B; $1.97B total liabilities against $1.90B.
$1.55B net loans and leases against $1.49B; $1.94B total deposits against $1.88B.
$304.6M securities against $318.4M; $183.7M cash and balances due against $147.9M.
$25.3M total interest income against $23.3M; $8.2M total interest expense against $9.2M.
$17.0M net interest income against $14.1M.
$4.2M total noninterest income against $3.8M; $12.4M total noninterest expense against $10.8M.
$585K provision for credit losses against $423K.
$6.2M net income against $5.2M.
1.16% return on assets against 1.01%; 3.31% net interest margin against 2.86%.
12.59% CET1 capital ratio against 12.01%; 9.02% tier 1 leverage ratio against 8.63%.
Inside the full The Lyons National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Lyons National Bank rankings
Its closest position to the top of a national ranking is 569 of 4,196, for total assets; its furthest is 1,527 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.35% (Q4 2025) and its net interest margin ran from 2.59% (Q3 2024) to 3.34% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.59% | 1.16% | 0.48% | 3.63% | 3.31% |
| Q1 2026 | 12.33% | 1.02% | 0.49% | 3.74% | 3.03% |
| Q4 2025 | 12.29% | 1.35% | 0.43% | 3.38% | 3.34% |
| Q3 2025 | 11.98% | 1.05% | 0.31% | 2.39% | 3.06% |
| Q2 2025 | 12.01% | 1.01% | 0.34% | 2.89% | 2.86% |
| Q1 2025 | 11.89% | 0.84% | 0.24% | 1.86% | 2.69% |
| Q4 2024 | 12.31% | 0.91% | 0.25% | 1.99% | 2.82% |
| Q3 2024 | 12.18% | 0.81% | 0.25% | 2.00% | 2.59% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Penn Yan Branch | Penn Yan , NY | 14527 | $244.5M |
| The Lyons National Bank | Lyons , NY | 14489 | $207.5M |
| Geneva Branch | Geneva , NY | 14456 | $206.9M |
| Seneca County Branch | Waterloo , NY | 13165 | $182.3M |
| Canandaigua Branch | Canandaigua , NY | 14424 | $135.1M |
| Newark Branch | Newark , NY | 14513 | $131.4M |
| Wolcott Branch | Wolcott , NY | 14590 | $116.9M |
| Ontario Branch | Ontario , NY | 14519 | $108.4M |
| Macedon Branch | Macedon , NY | 14502 | $99.5M |
| Forgham Street Branch | Lyons , NY | 14489 | $93.2M |
| Perinton Branch | Fairport , NY | 14450 | $84.0M |
| Auburn Grant Ave Branch | Auburn , NY | 13021 | $84.0M |
| Clyde Branch | Clyde , NY | 14433 | $78.4M |
| The Farmington Office of the Lyons National Bank Branch | Farmington , NY | 14425 | $72.1M |
| Jordan Branch | Jordan , NY | 13080 | $53.2M |
| Auburn Downtown Branch | Auburn , NY | 13021 | $27.5M |
| Rushville Branch | Rushville , NY | 14544 | $14.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- November 21, 2005, OCC: Formal Agreement: The Lyons National Bank
- July 29, 1994, OCC: Formal Agreement: The Lyons National Bank
- Period: Most recent institution action November 21, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 61 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.7M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Lyons National Bank
What are The Lyons National Bank's total assets?
As of the Q2 2026 filing, The Lyons National Bank reported total assets of $2.13 billion in its FFIEC call report.
Where is The Lyons National Bank headquartered?
It is headquartered in Lyons, NY, United States.
When was The Lyons National Bank founded?
It was established in 1865, per the FDIC institution directory.
Is The Lyons National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7151). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lyons National Bank?
The Lyons National Bank's primary federal regulator is the OCC.
What is The Lyons National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.59% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Lyons National Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Lyons National Bank's Texas Ratio?
Its Texas Ratio is 3.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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