The Lyons National Bank
Lyons, NY
IDRSSD: 323204
Total Assets
$2.07B
Latest filing
Total Deposits
$1.89B
Latest filing
Net Interest Margin
3.46%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Lyons National Bank
35 William St
Lyons, NY 14489
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1865FDIC Certificate 4740
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Lyons National Bank (Main) | 35 William St | Lyons, NY |
| FORGHAM STREET BRANCH | 2 Forgham St | Lyons, NY |
| WOLCOTT BRANCH | 5996 New Hartford St | Wolcott, NY |
| NEWARK BRANCH | 750 W Miller St | Newark, NY |
| MACEDON BRANCH | 359 Nys Route 31 | Macedon, NY |
| ONTARIO BRANCH | 6280 Furnace Rd | Ontario, NY |
| JORDAN BRANCH | 2 N Main St | Jordan, NY |
| CLYDE BRANCH | 4 William St | Clyde, NY |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1865 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14489 |
| State and County Number | 36117 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Rochester, NY |
Operational Info
| Number of Employees | 228 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankwithlnb.com |
| Data Updated | 01/30/2026 |
| CERT | 7151 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.07B |
| Total Deposits | $1.89B |
| Total Liabilities | $1.91B |
| Total Equity Capital | $157.90M |
| Net Income | $7.12M |
| Net Loans and Leases | $1.53B |
| Assets Per Employee ($Millions) | $9.29M |
| Bank Premises and Fixed Assets | $26.88M |
| Cash and Balances due from Depository Institutions | $128.78M |
| Deposits Held in Domestic Offices | $1.89B |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 18.39% |
| Net Interest Margin | 3.46% |
| Efficiency Ratio | 54.74% |
| Tier 1 Risk-Based Capital Ratio | 12.287% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.619% |
| Earning Assets to total Assets | 94.47% |
Income and Expense
| Total Interest Income | $25.97M |
| Total Noninterest Income | $4.45M |
| Total Interest Expense | $9.03M |
| Total Noninterest Expense | $11.71M |
| Net Interest Income | $16.94M |
| Pre-tax Net Operating Income | $8.42M |
| Provision for Credit Losses | $1.26M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $26.04M |
| Total Liabilities and Capital | $2.07B |
Securities
| Securities | $317.27M |
| Available-for-sale debt securities | $281.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $35.14M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Lyons National Bank?
$2.07B as of the latest filing.
How much are The Lyons National Bank's total deposits?
$1.89B in total deposits.
Where is The Lyons National Bank located?
Lyons, NY.
What is the Net Interest Margin?
3.46%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1865.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$1.53B (latest filing).
What is the total interest income (latest filing)?
$25.97M.