Lyons National Bank (FDIC #7151): Bank Stress & Real-Estate Credit Exposure
Lyons National Bank (FDIC Cert #7151): bank stress 76/100, severe, STABLE over 7 days; parent LYONS BCORP INC.
Lyons National Bank (#7151) lends in 7 counties across 1 state; Lyons National Bank (#7151) reaches 185 ZIP codes: New York 7 counties, 185 ZIPs.
Lyons National Bank (#7151) largest markets: Onondaga County, NY (58 branches, 58 ZIPs) (#7151), Monroe County, NY (52 branches, 52 ZIPs) (#7151), Ontario County, NY (81 branches, 27 ZIPs) (#7151), Cayuga County, NY (52 branches, 26 ZIPs) (#7151), Wayne County, NY (154 branches, 22 ZIPs) (#7151), Seneca County, NY (15 branches, 15 ZIPs) (#7151).
Lyons National Bank (#7151) reports $2.13 billion in total assets; Lyons National Bank (#7151) equity $164.6 million (7.7% of Lyons National Bank (#7151) assets); Lyons National Bank (#7151) domestic deposits $1.94 billion; Lyons National Bank (#7151) net income $11.7 million; Lyons National Bank (#7151) return on assets 1.11%; Lyons National Bank (#7151) return on equity 14.54%; Lyons National Bank (#7151) net interest income $32.7 million; Lyons National Bank (#7151) call report June 30, 2026.
Lyons National Bank (#7151) noncurrent real-estate loans: none reported; Lyons National Bank (#7151) net charge-offs on real estate 0.45%; Lyons National Bank (#7151) residential charge-offs 0.74%.
Lyons National Bank (#7151) net interest margin 3.30% against an eight-quarter Lyons National Bank (#7151) average of 2.95% (Lyons National Bank (#7151) compression -0.35 points); Lyons National Bank (#7151) non-residential real estate 74.0% of equity; Lyons National Bank (#7151) rate-exposure score 40/100, Lyons National Bank (#7151) fixed-rate trap 40/100; Lyons National Bank (#7151) risk type credit driven; Lyons National Bank (#7151) rate regime rates elevated, Lyons National Bank (#7151) snapshot October 20, 2026.
Lyons National Bank (#7151) stress score moved from 76.6 on June 22, 2026 to 76.4 on October 20, 2026; Lyons National Bank (#7151) ranged 76.4 to 76.6 over 117 snapshots.
Lyons National Bank (#7151) alerts: 7 counties; top Lyons National Bank (#7151) alert scores: Auburn County, NY 27 (low); Fairport County, NY 27 (low); Geneva County, NY 27 (low); Jordan County, NY 27 (low); Rushville County, NY 27 (low).