The Lyons National Bank: how it compares with its peers
Against 30 NY banks with half to twice its assets, The Lyons National Bank's strongest measure in Q2 2026 is return on assets (1.11% vs. a 1.02% peer median). Its weakest relative measure is assets per employee ($9.4M vs. $10.3M).
| Measure | The Lyons National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.02% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.24% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.69% | 58.69% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $10.3M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.78% | 83.45% | Context |
What it means for lending operations
Its efficiency ratio of 59.69% is above the 58.69% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mizuho Bank (USA) New York, NY · $2.14B
- NorthEast Community Bank White Plains, NY · $2.11B
- Maspeth Federal Savings and Loan Association Maspeth, NY · $2.21B
- Shinhan Bank America New York, NY · $2.23B
- Hanover Community Bank Garden City Park, NY · $2.33B
- Pioneer Bank, National Association Albany, NY · $2.34B
Questions about The Lyons National Bank
How big is The Lyons National Bank?
The Lyons National Bank, established in 1865, is headquartered in Lyons, NY. It reported $2.13B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is The Lyons National Bank's return on assets?
1.11% annualized in Q2 2026, against a 1.02% median for 30 NY banks with half to twice its assets, ahead of 57% of them.
What is The Lyons National Bank's efficiency ratio?
59.69% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is The Lyons National Bank growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits grew 3.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.