Headquartered in Lyons, New York, The Lyons National Bank is a national bank with $2.1B in total assets and $1.9B in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1865.
Based on its Q2 2026 filing, The Lyons National Bank scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 62nd. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is capital cushion (40/100; 9.02%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 64 |
| Q1 2026 | 62 |
| Q2 2026 | 63 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.70% |
| Q3 2024 | 8.62% |
| Q4 2024 | 8.83% |
| Q1 2025 | 8.62% |
| Q2 2025 | 8.63% |
| Q3 2025 | 8.63% |
| Q4 2025 | 8.80% |
| Q1 2026 | 8.74% |
| Q2 2026 | 9.02% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $2.1B | 9.02% | 0.48% | 1.11% | 79.8% |
| Q1 2026 | 62 | $2.1B | 8.74% | 0.49% | 1.05% | 79.7% |
| Q4 2025 | 64 | $2.1B | 8.80% | 0.43% | 1.08% | 81.1% |
| Q3 2025 | 64 | $2.1B | 8.63% | 0.31% | 0.98% | 79.4% |
| Q2 2025 | 63 | $2.0B | 8.63% | 0.34% | 0.94% | 79.2% |
| Q1 2025 | 63 | $2.0B | 8.62% | 0.24% | 0.86% | 78.1% |
| Q4 2024 | 64 | $1.9B | 8.83% | 0.25% | 0.85% | 81.9% |
| Q3 2024 | 63 | $2.0B | 8.62% | 0.25% | 0.81% | 79.9% |
| Q2 2024 | 63 | $2.0B | 8.70% | 0.26% | 0.81% | 81.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mizuho Bank (USA)Bank New York, NY | 62 out of 100, Moderate | $2.1B | 7.0% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Maspeth Federal Savings and Loan AssociationBank Maspeth, NY | 74 out of 100, Strong | $2.2B | 34.9% | 1.22% | vs |
| Shinhan Bank AmericaBank New York, NY | 65 out of 100, Moderate | $2.2B | 12.5% | 0.57% | vs |
| Hanover Community BankBank Garden City Park, NY | 49 out of 100, Below average | $2.3B | 9.8% | 1.42% | vs |
| Pioneer Bank, National AssociationBank Albany, NY | 62 out of 100, Moderate | $2.3B | 10.0% | 0.48% | vs |
Deposit insurance
Is my money safe at The Lyons National Bank?
Yes. The Lyons National Bank is an FDIC-insured institution (FDIC certificate #7151). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.2% of deposits ($721.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.85% (benchmark: 10%).
17 locations
Branches
The Lyons National Bank lists 17 offices in 15 cities. Most locations:
- Auburn, NY (2)
- Lyons, NY (2)
- Canandaigua, NY (1)
- Clyde, NY (1)
- Fairport, NY (1)
- Farmington, NY (1)
- Geneva, NY (1)
- Jordan, NY (1)
- Macedon, NY (1)
- Newark, NY (1)
- Ontario, NY (1)
- Penn Yan, NY (1)
HMDA 2025
Mortgage lending
In 2025, The Lyons National Bank reported 1,339 home-loan applications under HMDA (LEI 254900Q6IHGQO7INVC79): 1,167 originated ($232,065,000 total), 96 denied, and 75 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Lyons National Bank
- Type
- National bank
- FDIC certificate #
- 7151
- RSSD ID
- 323204
- Primary regulator
- OCC
- Holding company
- Lyons Bcorp Inc
- Established
- January 1, 1865
- Headquarters
- 35 William St, Lyons, NY 14489
- Website
- www.bankwithlnb.com
- Employees
- 226
Quick answers
The Lyons National Bank: common questions
Is The Lyons National Bank FDIC insured?
Yes. The Lyons National Bank is an FDIC-insured institution (FDIC certificate #7151). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Lyons National Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Lyons National Bank ever failed?
There is no failure record for FDIC certificate #7151 in the FDIC failed bank list.
How many branches does The Lyons National Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lyons
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Finger Lakes Federal Credit UnionCredit union Geneva, NY | 96 out of 100, Very strong | $259.5M | 15.1% | 0.10% | vs |
| ESL Federal Credit UnionCredit union Rochester, NY | 90 out of 100, Very strong | $10.8B | 16.4% | 0.90% | vs |
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| The Summit Federal Credit UnionCredit union Rochester, NY | 72 out of 100, Strong | $1.5B | 11.3% | 0.34% | vs |
| Reliant Community Federal Credit UnionCredit union Sodus, NY | 69 out of 100, Moderate | $788.4M | 9.6% | 0.36% | vs |