The Lyons National Bank

The Lyons National Bank is headquartered in Lyons and is the 70^th largest bank in the state of New York. It is also the 1,101^st largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 145 employees at 11 locations. The Lyons National Bank's savings rates are 15% higher than the national average, and it has a 4-star health rating.

The Lyons National Bank Routing Number: 022304616

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The Lyons National Bank Checking Account Rates

The Lyons National Bank Savings Account Rates

Data for Q1 2012

Institution Statistics The Lyons National Bank FDIC Certificate # 7151 BankRate Report View Year Established 1865 Employees 145 Primary Regulator OCC Assets and Liabilities Assets $606.82 million Loans $367.23 million Deposits $537.35 million Equity Capital $46.63 million Loan Loss Allowance $7.01 million Unbacked Noncurrent Loans $5.45 million Historic Data - March 2011 Assets $527.86 million Equity Capital $42.07 million Loan Loss Allowance $6.56 million Unbacked Noncurrent Loans $5.98 million Real Estate Owned $97,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 1.16% Return on Equity 14.62% Interest Income $5.70 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Lyons National Bank had $5.45 million in non-current loans and owned real-estate with $53.64 million in equity and loan loss allowances on hand to cover it. This gives The Lyons National Bank a Texas Ratio of 10.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Lyons National Bank held steady from 11.91% as of March 31, 2011 to 10.17% as of March 31, 2012, resulting in a positive change of 14.68%.This indicates that the balance sheet and financial strength for The Lyons National Bank has held steady in recent periods. Deposit Growth In the past year, The Lyons National Bank has increased its total deposits by $73.18 million, resulting in 15.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Lyons National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Lyons National Bank has $606.82 million in assets with $53.64 million in equity, resulting in a capitalization level of 8.84%, which is average.

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