Lyons Bancorp Inc. operates as a financial holding company for The Lyons National Bank that provides a range of commercial and retail banking services to individual and small business customers. The company provides personal and business checking, savings, retirement, money market, HSA, and club accounts, as well as certificates of deposit; personal loans, including home improvement, recreational, personal, and home equity loans, as well as personal, and assurance and variable home equity line of credit; financial services, including retirement, investment management, education savings, life insurance, long-term care insurance, and employer and employee benefit services. It also offers residential real estate loans, such as classes for 1-4 family; and commercial real estate, agricultural real estate, commercial and agricultural, and consumer installment loans comprising direct and indirect loans. In addition, the company provides mortgage, online and mobile banking, credit and debit/ATM card, cash management, remote deposit capture, automated clearing house payments and receipts, wire transfer, positive pay, lockbox, and merchant services; direct deposit, e-statements, telephone banking, fraud manager, gift cards, money orders and official checks, online bill pay, traveler program, safe deposit services. The company was founded in 1852 and is headquartered in Lyons, New York.