Lyons Bancorp, Inc. is a financial holding company of The Lyons National Bank (the Bank). It provides a full range of commercial and retail banking services to individuals and small businesses. It offers a range of personal products, such as personal checking, personal savings, personal retirement, personal lending and personal mortgage centers. It provides a range of business products, such as business checking, business savings, business services, and online cash management. Its business account services include express line telephone banking and e-statement. Its business services include investment management and retirement plans. It provides remote deposit capture (RDC), payroll, direct deposit, and wire transfers. It offers consumer loans, home equity loans, assurance home equity line of credit, and variable home equity line of credit. Its operations are conducted in 16 branches located in Wayne, Onondaga, Yates, Ontario, Monroe, Seneca and Cayuga Counties, New York.