The Lyons National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 3.0% in Q2 2026 to $145.1M, the biggest move on this page. The Lyons National Bank ranks 71st of 82 New York banks on CET1 ratio, in the lower half at 12.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. The Lyons National Bank sits 0.89 points lower, at 12.59% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.59% |
| Tier 1 risk-based capital ratio | 12.59% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.02% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $190.4M |
| Tier 1 capital | $190.4M |
| Total risk-based capital | $209.4M |
| Total equity capital | $164.6M |
| Risk-weighted assets | $1.51B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.71% |
| Tangible equity to tangible assets | 7.71% |
| Equity capital to average assets | 7.70% |
| Internal capital growth rate | 10.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $302K |
| Common stock surplus | $45.0M |
| Retained earnings | $145.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$25.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.30% | 12.30% | 13.56% | 8.84% | $1.31B |
| Q4 2023 | 12.33% | 12.33% | 13.59% | 8.90% | $1.33B |
| Q1 2024 | 12.16% | 12.16% | 13.41% | 8.89% | $1.37B |
| Q2 2024 | 12.12% | 12.12% | 13.38% | 8.70% | $1.39B |
| Q3 2024 | 12.18% | 12.18% | 13.44% | 8.62% | $1.40B |
| Q4 2024 | 12.31% | 12.31% | 13.56% | 8.83% | $1.41B |
| Q1 2025 | 11.89% | 11.89% | 13.15% | 8.62% | $1.44B |
| Q2 2025 | 12.01% | 12.01% | 13.27% | 8.63% | $1.45B |
| Q3 2025 | 11.98% | 11.98% | 13.24% | 8.63% | $1.49B |
| Q4 2025 | 12.29% | 12.29% | 13.54% | 8.80% | $1.49B |
| Q1 2026 | 12.33% | 12.33% | 13.59% | 8.74% | $1.51B |
| Q2 2026 | 12.59% | 12.59% | 13.85% | 9.02% | $1.51B |
The Lyons National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyons National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Lyons National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7151) · FFIEC NIC profile (RSSD 323204)