The Lyons National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 5.6% in Q2 2026 to $8.2M, the biggest move on this page. Within New York, The Lyons National Bank is 68th of 105 on net interest margin, 3.31% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Lyons National Bank sits 0.40 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 5.67% |
| Yield on securities | 1.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.38% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.2M |
| Total interest expense | $8.2M |
| Interest expense on deposits | $8.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.15% | 1.47% | 2.77% | 4.82% | 1.69% |
| Q4 2023 | 4.35% | 1.77% | 2.69% | 5.04% | 1.71% |
| Q1 2024 | 4.34% | 1.92% | 2.54% | 5.04% | 1.89% |
| Q2 2024 | 4.45% | 2.09% | 2.47% | 5.19% | 1.74% |
| Q3 2024 | 4.61% | 2.14% | 2.59% | 5.37% | 1.68% |
| Q4 2024 | 4.82% | 2.13% | 2.82% | 5.41% | 1.68% |
| Q1 2025 | 4.58% | 2.00% | 2.69% | 5.35% | 1.66% |
| Q2 2025 | 4.71% | 1.96% | 2.86% | 5.47% | 1.68% |
| Q3 2025 | 4.85% | 1.91% | 3.06% | 5.66% | 1.68% |
| Q4 2025 | 5.12% | 1.89% | 3.34% | 5.88% | 1.67% |
| Q1 2026 | 4.71% | 1.80% | 3.03% | 5.57% | 1.71% |
| Q2 2026 | 4.91% | 1.71% | 3.31% | 5.67% | 1.72% |
The Lyons National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyons National Bank, freeSource: Call Report Schedules RI and RC-K, 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)