Lyons National Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Lyons National Bank (FDIC Cert #7151) at 76/100 for bank stress — a severe level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

A severe score on a footprint this size means the markets Lyons National Bank touches inherit a corresponding share of that lending pressure. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Its lending reaches counties such as Onondaga County, NY, Monroe County, NY, Ontario County, NY, Cayuga County, NY, each tied back to DLRadar's distress signals. Rather than a standalone rating, the severe score is tied to real markets — every one of the 185 ZIP codes Lyons National Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Lyons National Bank runs a compact, single-state real-estate lending footprint — 7 U.S. counties across 1 state, spanning 185 ZIP codes. It concentrates most in New York (7 counties). Because Lyons National Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 76/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. What separates this from a plain credit rating is the geographic weighting — Lyons National Bank's 76/100 reading reflects not just its balance sheet but the 7 counties it lends into, so the score doubles as a map of where its stress will land first. Lyons National Bank is held under Lyons Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Lyons National Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.