What are the current interest rates at The Lyons National Bank (LNB)?

Current rates for The Lyons National Bank (LNB) include: 12-Month CD: 4.00%

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The Lyons National Bank (LNB)

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The Lyons National Bank (LNB) Rates & Review September 2026

Item: The Lyons National Bank (LNB)
Rating: 5
Author: DAVID MONAHAN

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

The Lyons National Bank (LNB)'s 11-Month 11-Month CD rates are at 4.00%. MonitorBankRates evaluates the financial stability of The Lyons National Bank (LNB) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.60%. Rates last updated and verified on 09/18/2026.

The Lyons National Bank (LNB) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Lyons National Bank (LNB)? Share your experience about The Lyons National Bank (LNB) by leaving a review below, or read customer reviews before you decide to use The Lyons National Bank (LNB).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.60%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Lyons National Bank

35 William St
Lyons, NY 14489

https://www.bankwithlnb.com

The Lyons National Bank (LNB) CD Rates

Product	Rate	APY	Term	View More
11-Month CD	-	4.00%	11 Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

The Lyons National Bank (LNB)’s Texas Ratio rose from 2.98% in Q3 2023 to 4.60% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.1B	4.60%	5.0	A+
March 31, 2026	$2.1B	4.73%	5.0	A+
December 31, 2025	$2.1B	4.25%	5.0	A+
September 30, 2025	$2.1B	3.18%	5.0	A+
June 30, 2025	$2.0B	3.80%	5.0	A+
March 31, 2025	$2.0B	2.62%	4.8	A
December 31, 2024	$1.9B	2.76%	5.0	A+
September 30, 2024	$2.0B	2.59%	4.9	A+
June 30, 2024	$2.0B	2.96%	4.5	A
March 31, 2024	$2.0B	3.26%	4.4	A-
December 31, 2023	$1.8B	2.97%	4.7	A
September 30, 2023	$1.9B	2.98%	4.0	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Lyons National Bank (LNB) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The Lyons National Bank (LNB) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The Lyons National Bank (LNB)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Lyons National Bank (LNB)

Bank Holding Company LYONS BCORP INC

Address 35 William St, Lyons, NY 14489 · Wayne

Website https://www.bankwithlnb.com

FDIC Certificate # 7151

Established 18650101

FDIC Insurance Date 19340101

Domestic Offices 16

Total Branches 17

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.60%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1102%

Return on Equity (ROE) 14.5400%

Non-Performing Loans (NPL) 0.35%

Total Assets $2,134,066,000

Total Deposits $1,939,421,000

Equity Capital $164,570,000

Net Income $11,687,000

Headquarters Lyons

Total Branches and Offices 16

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Lyons National Bank (LNB) earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

DAVID MONAHAN

★★★★★

May 15, 2026

The Canandaigua Branch was recommended to me when I moved up from Florida. I have to say these folks at this branch made me feel welcomed and have been wonderful in setting me up with accounts, investments, and even when I needed a notary, I was taken care of immediately. Along with their guidance and suggestions, I feel the staff at the Canandaigua Branch go over and above to help their clients out. I would surely recommend the LNB Canandaigua Branch to all who may be looking for a positive banking experience.

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Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for The Lyons National Bank (LNB)

Frequently Asked Questions About The Lyons National Bank (LNB)

How many branches does The Lyons National Bank (LNB) operate?

The Lyons National Bank (LNB) currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The Lyons National Bank (LNB) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Lyons National Bank (LNB) provides members with tools to manage their accounts and build a solid financial history.

Does The Lyons National Bank (LNB) offer online and mobile banking?

Most modern institutions like The Lyons National Bank (LNB) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankwithlnb.com.