B
The Lyons National Bank
LyonsNY
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Lyons National Bank
Lyons, NY
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Rating B
Asset Quality Index 8.10
Capitalization Index 6.80
Liquidity Index 2.60
Profitability Index 5.10
Stability Index 7.20
Company Info The Lyons National Bank
Lyons, NY
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FDIC Number 7151
Phone Number (315) 946-4871
Website www.bankwithlnb.com
Asset Quality The Lyons National Bank
Lyons, NY
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1-Year Asset Growth 7.50%
5-Year Asset Growth 9.12%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.42%
Non-Performing Loans to Capital 3.58%
Non-Performing Loans to Loans 0.59%
Balance Sheet The Lyons National Bank
Lyons, NY
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Total Assets 2.07B
Total Deposits 1.89B
Capital and Reserves The Lyons National Bank
Lyons, NY
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Capital 157.84M
Leverage Ratio 8.80
Loan Loss Reserves to Loans 1.48%
Risk-Based Capital Ratio 13.54
Liquidity The Lyons National Bank
Lyons, NY
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Hot Money Ratio 16.44%
Liquidity Ratio 14.50%
Profitability The Lyons National Bank
Lyons, NY
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5-Year Return on Average Assets 0.95%
Net Income 22.01M
Net Interest Spread 2.99%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 59.30%
Return on Assets 1.06%
Return on Equity 15.17%