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The Lyons National Bank
Lyons, NY · FDIC Certificate #7151 · Chartered 01/0
Total assets
$2.13B
Total deposits
$1.94B
Total equity
$164.63M
Net loans
$1.55B
Branches (offices)
17
Net income (YTD)
$11.69M
Rank: #577 of 4,213 U.S. banks by assets · #43 of 115 in New York. Assets changed 4.2% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 14.54% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 7.71% |
| Tier 1 leverage ratio | 9.02% |
| Uninsured deposits (share of deposits) | 37.2% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 79.8% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.35B | 87.2% | |
| Commercial & industrial | $145.87M | 9.4% | |
| Consumer / individual | $24.45M | 1.6% | |
| Construction & development | $69.31M | 4.5% | |
| Agricultural | $51.66M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.70B | $1.53B | $8.50M | $108.38M |
| Jun 2023 | $1.86B | $1.72B | $8.85M | $115.39M |
| Jun 2024 | $1.97B | $1.74B | $7.79M | $127.74M |
| Jun 2025 | $2.05B | $1.88B | $9.42M | $143.81M |
| Jun 2026 | $2.13B | $1.94B | $11.69M | $164.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.94B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.94B.
Similar-sized banks
Mizuho Bank (Usa) ($2.14B) · Oakworth Capital Bank ($2.13B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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