# LYONS NATIONAL BANK
LYONS, NY · FDIC certificate 7151 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.13B | |
| Deposits | $1.94B | |
| Loans and leases | $1.57B | |
| Total equity | $164.6M | |
| Loans / deposits | 79.78% (p32 of band) | 87.10% |
| Liquid assets / assets | 22.88% (p57 of band) | |
| Uninsured deposits / deposits | 37.19% (p67 of band) | 30.76% |
| Brokered deposits | 1.84% | |
| Wholesale funding | 1.84% (p28 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.02% (p13 of band) | 10.50% |
| Unrealized securities loss / equity | -20.78% (p19 of band) | -7.75% |
| AOCI / equity | -0.28% (p51 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.26% |
| Net interest margin | 3.30% (p26 of band) | 3.70% |
| Efficiency ratio | 59.69% (p53 of band) | |
| Noncurrent loans | 0.48% (p48 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p54 of band) | |
| Reserve coverage of noncurrent | 313.53% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 42.10% (p44 of band) | |
| Auto loans | $8.0M (0.51% of loans; DQ 0.58%, NCO 0.00%) | |
| Loans to nondepository financials | $62,000 (0% of equity) (p72 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 226 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-10 [Senator Helming Celebrates the Selection of Lyons National Bank for New York State Historic Business Preservation Registry - The New York State Senate (.gov)](https://news.google.com/rss/articles/CBMivAFBVV95cUxPM3Ezc1pYMGNwSGQxVWozRjRvb0VVYjVYMUkzVkdjaEpnT3BjYXhmbXpILWc4VkVqY1NqMEdiVW5icktwNkNsOGdMVEMzd2EwSC00M2hEWjFxZkJtYm5yNVZST2xFOVk5NFRHV3BMRzBHZXlzVndmZW9lUHlUdGxKOExwYnpzaEozQzdQbG45dEtQRGZoVkZWbnVzdFhIM1FGYW1ZYjM5SmIzd3pheW1OUXlPYmROeF9udUd2Mg?oc=5) · The New York State Senate (.gov)
- 2026-05-16 [Robert Kenville Obituary (2026) - North Rose, NY - Finger Lakes Times - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPLUtRTDZGaFBKWV9KOVlnRzFNeVczUzRvNExSYUFzNC11UzJNNWt6UDBBLWw2TS1WWE5qNm5XY2w3djBseURaTWNBeGVMbmxXclFYOVRieXBzM0VTVGVfSG9RbnFBTWc1dlVrTGg1QkU0RVN4WlBpamhwNFVmb0V2SFMxTU1XY2RvVXlTZ1g0Zw?oc=5) · Legacy obituary
- 2025-09-10 [Lyons National Bank celebrates downtown Auburn renovations - auburnpub.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPQUZCdDg0S2g3a0lTNmZwXzFLbGlUb2ZWMmdIb3hQcW5wX0NJZU1WTk5SVjNQU3VYUDFUc2dtN3BhMW9SRVFBMmhycjBVVV9vNkZSNHQ5b2dZS3JsZXB2amVSZzhZOEc3Z3lENHRVTTFFMWFIcWNGYnRJelVrdGh4bmhkYjJLUnh4bUo3ejNpcGNUWGZ2T0E?oc=5) · auburnpub.com
- 2025-05-28 [Wayne County deputies arrest suspect in Lyons bank robbery - WHEC.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORV9oRjhfLVpsc2tLZTE2Q3VCX3NVTnpILTVnamlzR1lxVjFGS1BfTmxkazhYaWx6X2otdHhHM1VrQW9NbnB5eHVzeF9VZFp4SnZ1RzFzMm80Y19yaFRxaHZwc2ZZeFpYMnQ2NnZtdWx1bG1XLTRmOWhQZVRscE1yWTNsOTFVLUtTQmlodWxwdVI3cmM?oc=5) · WHEC.com
- 2019-03-20 [Lyons National Bank - rbj.net](https://news.google.com/rss/articles/CBMiXkFVX3lxTE40STBLcE91Q1pDS1RRZXRrVUVwd1pQVXVPNjFyWjkyRVRNY1NZV0pCNnNPblZ3UUF4eDRWR3BVekgtbUl2WDZLTVBabmFHdHc2MFh2UVJGbU5hSVhoSGc?oc=5) · rbj.net
- 2021-02-22 [The Lyons National Bank (NY) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOemJuOEt6RWE2LU1nMDEyLXgtVHU0cWM0cTVkOThiemZHbkJMbUoxWkEwLVI2QjQ0bVdiNm9KODZEQ1pNNFB2cWMyS1BSUnZJWkxtQ3ZrcFd4S2l4ZGtidUI1MFNfaE1ONlI5MDJJM1FyMGo3emJSUm5nS19MOXROLVZBZlRmd0hBYTJ3?oc=5) · SmartAsset
- 2018-05-17 [BUSINESS OF THE WEEK: Lyons National Bank - Finger Lakes Times](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOVms4a1k1eFlEVENhQ2tEOVdaNWRwRENoQU9VNzh6cWV4RmtaTTJVR1V2dzUtTGF6SDRhRFVyZnpZYkJiYmRyQXBiQUUtUE0xYjZhbDdYS1VlS1R3dmZfZk8zNHNrVU9oTzJiTDl4UkNSUTlMck9lT1EzSUU5LTBEdUJQMU5Ubk1yanBVTm1kVXpLYTgzd0Q4Unc3SlE4WXhjT0ZiOXZoSTdEWFZTR3JEZmV4ZUU3MVhUdk85Ukc3UDE2eHc1UnJZOHltUWpjM2QzU0tqbE1YNDc5Y2F0?oc=5) · Finger Lakes Times
- 2017-03-28 [Lyons National Bank announces internal promotions - MPNnow.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNREVXUlFCLWVIOE9XbG94cXdhekI2UldReFVmZ0pRN2hFSlI2Q2xSbXF0TjYwenEtU0RKN1RFTnRGUVd1MloxQm82anVaRTE1SkdnRUtERDIyVWtNR0FGZEdPeVo3bU5VN25UVDl4WnlqWkNraHowU0V0VTVEbmZDdHZuR2ppWXZSVWlBbG5nWGRTbThSRUxJVWVzOE9kWjJNdmlNdWQtODlvLXc?oc=5) · MPNnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7151 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "7151", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide