The Lyons National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Lyons, The Lyons National Bank serves the New York market as a community-focused commercial bank, in the Rochester metropolitan region. The Q2 2026 balance sheet stands at $2.1B in assets, including $1.6B in loans. Returns are in line with industry norms at 1.16% ROA and 15.27% ROE; net interest margin is 3.31%. Regulatory capital is solid, 12.59% CET1 and 13.85% total risk-based capital ratio. Asset quality is solid, 0.63% nonperforming loans and a 5.32% Texas Ratio. Its footprint covers 17 branches concentrated in New York.
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 0.63%, a Texas ratio of 5.32%, per financial data filed with the FFIEC.
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
- Offices
- 17 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Lyons National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Lyons National Bank, freeThe Lyons National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.59% | 1.16% | 0.63% | 5.32% | 3.31% |
| Q1 2026 | 12.33% | 1.02% | 0.64% | 5.48% | 3.03% |
| Q4 2025 | 12.29% | 1.35% | 0.59% | 5.12% | 3.34% |
| Q3 2025 | 11.98% | 1.05% | 0.49% | 4.40% | 3.06% |
| Q2 2025 | 12.01% | 1.01% | 0.53% | 5.07% | 2.86% |
| Q1 2025 | 11.89% | 0.84% | 0.50% | 4.70% | 2.69% |
| Q4 2024 | 12.31% | 0.91% | 0.49% | 4.63% | 2.82% |
| Q3 2024 | 12.18% | 0.81% | 0.53% | 4.86% | 2.59% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| 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
What the public regulatory sources show for The Lyons National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Lyons National Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Lyons National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Lyons National Bank headquartered?
The Lyons National Bank is headquartered in Lyons, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Lyons National Bank founded?
The Lyons National Bank was established in 1865, per the FDIC institution directory.
Is The Lyons National Bank FDIC-insured?
Yes. The Lyons National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Lyons National Bank's CET1 capital ratio?
The Lyons National Bank 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?
The Lyons National Bank operates 17 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?
The Lyons National Bank's Texas Ratio is 5.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The Lyons National Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Lyons National Bank, freeFree account