The Lyons National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 51.2% in Q2 2026, from $4.5M to $6.8M. It was the largest change from Q1 2026 among the key lines here. Within New York, The Lyons National Bank is 64th of 105 on loan-to-deposit ratio, 81.00% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Lyons National Bank sits 7.20 points lower, at 81.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.57B |
| Net loans and leases | $1.55B |
| Loans held for sale | $6.8M |
| Loans to total assets | 73.61% |
| Loan-to-deposit ratio | 81.00% |
| Net loans to equity capital | 9.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.56% |
| Multifamily (5+ residential) | 4.27% |
| Commercial and industrial | 9.28% |
| Consumer | 1.56% |
| Credit cards | 0.14% |
| Farm | 6.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.59% |
| Construction concentration (Tier 1 capital + allowance) | 32.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.67% |
| Interest income on loans | $22.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.34B | $1.68B | 19.69% | 9.42% | 2.56% |
| Q4 2023 | $1.38B | $1.63B | 20.00% | 9.35% | 2.38% |
| Q1 2024 | $1.40B | $1.73B | 20.93% | 9.23% | 2.22% |
| Q2 2024 | $1.43B | $1.74B | 20.65% | 9.61% | 2.23% |
| Q3 2024 | $1.44B | $1.78B | 20.71% | 9.55% | 2.16% |
| Q4 2024 | $1.47B | $1.77B | 20.25% | 9.60% | 1.89% |
| Q1 2025 | $1.48B | $1.87B | 21.64% | 9.83% | 1.80% |
| Q2 2025 | $1.51B | $1.88B | 22.01% | 9.80% | 1.73% |
| Q3 2025 | $1.54B | $1.91B | 21.80% | 9.49% | 1.72% |
| Q4 2025 | $1.55B | $1.89B | 21.34% | 9.36% | 1.58% |
| Q1 2026 | $1.56B | $1.92B | 21.93% | 9.21% | 1.54% |
| Q2 2026 | $1.57B | $1.94B | 21.56% | 9.28% | 1.56% |
The Lyons National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyons National Bank, freeSource: Call Report Schedule RC-C, 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)