The Lyons National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lyons National Bank of Lyons, NY against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.46% | -0.30% | 41st below |
| ROAE | 15.27% | 12.69% | +2.58% | 73rd above |
| Net Interest Margin | 3.31% | 3.85% | -0.54% | 26th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.43% | 57.40% | +1.03% | 51st above |
| PPNR / Avg Assets | 1.64% | 1.88% | -0.24% | 45th below |
| Yield on Earning Assets | 4.91% | 5.72% | -0.81% | 17th bottom |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 69th above |
| Net Interest Spread | 2.52% | 3.18% | -0.66% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 1.00% | -0.37% | 49th below |
| NPA / Total Assets | 0.47% | 0.76% | -0.29% | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 43rd below |
| ACL / Total Loans | 1.51% | 1.31% | +0.20% | 87th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 238.56% | 564.63% | -326.07% | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.32% | 7.39% | -2.07% | 47th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 323.17% | 618.83% | -295.66% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.59% | 17.34% | -4.75% | 35th below |
| Tier 1 Ratio | 12.59% | 17.37% | -4.78% | 34th below |
| Total Capital Ratio | 13.85% | 18.42% | -4.57% | 37th below |
| Leverage Ratio | 9.02% | 11.44% | -2.42% | 12th bottom |
| Equity / Assets | 7.71% | 11.34% | -3.63% | 5th bottom |
| TCE / Tangible Assets | 7.71% | 10.50% | -2.79% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.00% | 86.96% | -5.96% | 68th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.31% | 85.55% | +2.76% | 48th below |
| Uninsured Deposit Ratio | 37.19% | 33.12% | +4.07% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.20% | 9.68% | -5.48% | 43rd below |
| Loan Growth (Y/Y) | 4.07% | 8.06% | -3.99% | 41st below |
| Deposit Growth (Y/Y) | 3.21% | 7.88% | -4.67% | 38th below |
See The Lyons National Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Lyons National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Lyons National Bank profile, how to read a UBPR, or how this data updates.