Lyons National Bank
Lyons, New York · FDIC Cert #7151
Lyons National Bank is an FDIC-insured bank (Certificate #7151) with $2.0B in total assets and $1.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Lyons, New York, the bank maintains a Tier 1 capital ratio of 12.12% (Well-Capitalized) and a nonperforming loan ratio of 0.26%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Lyons National Bank (FDIC cert 7151) is a mid-sized bank with $2.0B in total assets and $1.7B in deposits, based in Lyons, New York. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.12% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.26% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 23.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.05% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Lyons National Bank carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Lyons National Bank
- Total Assets
- $2.0B
- Total Deposits
- $1.7B
- Tier 1 Capital Ratio
- 12.12%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.26%
- Liquidity Ratio
- 23.50%
- Return on Assets
- 1.05%
- Headquarters
- Lyons, New York
- FDIC Certificate
- #7151
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Lyons National Bank holds a Tier 1 capital ratio of 12.12%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Lyons National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Lyons National Bank shows strong financial health indicators. With $2.0B in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Lyons National Bank Compares
Lyons National Bank’s Health Score of 80 is 9 points above the New York state average of 71 across 130 FDIC-insured banks. Its 12.12% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 0.26% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.05% is below the national ROA benchmark of ~1.1%. Among 630 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Lyons National Bank is 10 points above the portfolio average of 70.
Frequently Asked Questions
Lyons National Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.12%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Lyons National Bank's Tier 1 capital ratio of 12.12% and nonperforming loan ratio of 0.26% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Lyons National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #7151). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Lyons National Bank holds $2.0B in total assets and $1.7B in total deposits. It is headquartered in Lyons, New York (FDIC Certificate #7151).
Lyons National Bank has a Tier 1 capital ratio of 12.12%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.26%, and the return on assets is 1.05%.
Yes. Lyons National Bank is FDIC-insured (Certificate #7151). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Lyons National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.