MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. The Lyons National Bank (LNB)
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

The Lyons National Bank (LNB)'s 11-Month CD rates are at 4.00%. The Lyons National Bank (LNB)'s top CD rate of 4.00% APY on an 11 month CD is 34% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. 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 4.04%. Rates last updated and verified on 11/05/2026.

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).

MonitorBankRates Verified Healthy Badge 2026 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 ?
4.04%
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
MemberFDIC
Customer Reviews
5.0 ★ 1 review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

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 11/05/2026
Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 13 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APYSep 15, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.04%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

The Lyons National Bank (LNB)’s Texas Ratio rose from 2.48% in Q3 2023 to 4.04% 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.

0% 1.0★ 1.4% 2.0★ 2.8% 3.0★ 4.2% 4.0★ 5.6% 5.0★ Healthy zone – entire history below the 15% limit 2.48% B+ Q3 2023 A Q4 2023 A- Q1 2024 A Q2 2024 A+ Q3 2024 A+ Q4 2024 A Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.04% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.1B4.04%5.0A+
March 31, 2026$2.1B4.17%5.0A+
December 31, 2025$2.1B3.78%5.0A+
September 30, 2025$2.1B2.59%5.0A+
June 30, 2025$2.0B3.18%5.0A+
March 31, 2025$2.0B2.03%4.8A
December 31, 2024$1.9B2.17%5.0A+
September 30, 2024$2.0B2.24%4.9A+
June 30, 2024$2.0B2.57%4.5A
March 31, 2024$2.0B2.86%4.4A-
December 31, 2023$1.8B2.47%4.7A
September 30, 2023$1.9B2.48%4.0B+
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

Bank Name The Lyons National Bank (LNB)
Website https://www.bankwithlnb.com
Address 35 William St, Lyons, NY 14489  ·  Wayne
Bank Holding Company LYONS BCORP INC
FDIC Certificate # 7151
Regulator OCC
Established January 1, 1865
FDIC Insurance Date January 1, 1934
Domestic Offices 16
Total Branches 17
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.04%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1102%
Return on Equity (ROE)
14.5400%
Non-Performing Loans Ratio (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 June 30, 2026
MonitorBankRates Verified Healthy Badge 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/the-lyons-national-bank-rates-review-7151">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
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.
Log in to reply Are you from The Lyons National Bank (LNB) and want to reply to a review? Log in or register and verify yourself to reply as a representative from The Lyons National Bank (LNB).
Want to discuss The Lyons National Bank (LNB) with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for The Lyons National Bank (LNB)
Your Name:
Your Rating:

Frequently Asked Questions About The Lyons National Bank (LNB)

Does The Lyons National Bank (LNB) offer CDs?

Yes. The Lyons National Bank (LNB) current CD rates include its 11-Month CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from The Lyons National Bank (LNB) FDIC insured?

Yes. The Lyons National Bank (LNB) is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Lyons National Bank (LNB)?

The highest The Lyons National Bank (LNB) CD rate is its 11-Month CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does The Lyons National Bank (LNB) offer?

The Lyons National Bank (LNB) CD rates are 4.00% APY for an 11 month CD and 4.00% APY for a 12 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with The Lyons National Bank (LNB) for its full lineup.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do The Lyons National Bank (LNB) rates compare?

The Lyons National Bank (LNB)'s top CD rate of 4.00% APY on an 11 month CD is 34% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. The Lyons National Bank (LNB)'s top rate is its 11-Month 11-Month CD at 4.00% APY, verified by MonitorBankRates on November 5, 2026.

Current The Lyons National Bank (LNB) Rates

  • 12-Month CD4.00%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Commerce Bank Texas Heritage Bank Topeka, KS Family Bank Community State Bank Shelbina, MO Ion Bank Magnolia Bank The Dolores State Bank Seamens Bank First General Bank Bank of Walker County Mnb Bank Bank of Tennessee First State Bank Hordville, NE Santander Bank FNB of Hereford The Farmers State Bank Citizens Bank Mount Vernon, KY Nashville Savings Bank Pathward, National Association Eagle Rock Bank First National Bank of Louisiana