BlastPoint's Banking Scorecard
The Lyons National Bank
Community
Specialty: Commercial
NY
FDIC cert 7151
Lyons, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
The Lyons National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 30% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+7.5% YoY
-0.7% QoQ
|
+$680.2M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.5B
+5.8% YoY
+1.1% QoQ
|
+$554.8M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.9B
+6.9% YoY
-0.9% QoQ
|
+$723.1M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.08%
+28.0% YoY
+10.3% QoQ
|
-0.08% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.11%
+15.1% YoY
+4.3% QoQ
|
-0.56% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
59.30%
-7.8% YoY
-2.9% QoQ
|
-3.33% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.44%
+75.4% YoY
+37.9% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
81.06%
-1.0% YoY
+2.1% QoQ
|
-2.00% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
27.87%
+2.0% YoY
-4.3% QoQ
|
+6.83% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.32%
+65.1% YoY
+40.4% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.29%
-0.2% YoY
+2.6% QoQ
|
+2.04% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.79%
-4.4% YoY
+38.1% QoQ
|
+0.05% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#193 of 642 · Bottom 30% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.87% · Tier avg: 21.05%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
59
59th pctile
Efficiency Ratio
Current: 59.30% · Tier avg: 62.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.29% · Tier avg: 10.24%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.06% · Tier avg: 83.06%
21
21th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.66%
Top Weaknesses
21
21th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.66%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.06% · Tier avg: 83.06%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.29% · Tier avg: 10.24%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
59
59th pctile
Efficiency Ratio
Current: 59.30% · Tier avg: 62.63%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.87% · Tier avg: 21.05%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B