Bank · FDIC insured
Lyons National Bank (LNB)
A $2.1B bank headquartered in Lyons, NY, with 17 branches in New York.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Savings: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.00%Needs another account or monthly activityCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Lyons National Bank (LNB)
Founded in 1852, The Lyons National Bank operates sixteen bank locations across seven area counties.
Formed from the merger of the Palmyra Bank of Lyons and the Gavitt National Bank in 1933, the bank continues under its original charter.
- Headquarters
- 35 William St, Lyons, NY 14489
- FDIC certificate
- 7151 ↗
Branches
17 branches in New York
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New York
17 branches
Rochester area · 11
- The Lyons National BankMain office35 William St, Lyons, NY 14489Directions
- Canandaigua Branch3225 E Lake Rd, Canandaigua, NY 14424Directions
- Clyde Branch4 William St, Clyde, NY 14433Directions
- Perinton Branch1314 Fairport Rd, Fairport, NY 14450Directions
- The Farmington Office Of The Lyons National Bank Branch1423 Hathaway Dr, Farmington, NY 14425Directions
- Geneva Branch399 Exchange St, Geneva, NY 14456Directions
- Forgham Street Branch2 Forgham St, Lyons, NY 14489Directions
- Macedon Branch359 Nys Route 31, Macedon, NY 14502Directions
- Newark Branch750 W Miller St, Newark, NY 14513Directions
- Ontario Branch6280 Furnace Rd, Ontario, NY 14519Directions
- Wolcott Branch5996 New Hartford St, Wolcott, NY 14590Directions
Auburn area · 2
- Auburn Downtown Branch9 Dill St, Auburn, NY 13021Directions
- Auburn Grant Ave Branch311 Grant Avenue Rd, Auburn, NY 13021Directions
Syracuse area · 1
- Jordan Branch2 N Main St, Jordan, NY 13080Directions
Penn Yan area · 1
- Penn Yan Branch205 Liberty St, Penn Yan, NY 14527Directions
Rushville area · 1
- Rushville Branch1 N Main St, Rushville, NY 14544Directions
Seneca Falls area · 1
- Seneca County Branch2433 State Route 414, Waterloo, NY 13165Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.02% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.48% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.11% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalLeverage ratio9.02%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.48%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.11%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Lyons National Bank (LNB) are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.