Cattaraugus County Bank
Little Valley, NY · Cert 12959 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · C C Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$384.7MAssets
$217.2MLoans
$338.2MDeposits
$38.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 66% of banks under $1B in assets operating in a single state (rank 256 of 746).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets operating in a single state (rank 715 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.70%
Rank 570 of 746
Net Interest Margin
3.95%
Rank 271 of 746
Efficiency Ratio
74.20%
Rank 542 of 746
Equity / Assets
10.07%
Rank 416 of 746
Non-interest income vs. expense
Unfavorable gap of $10.5M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.72% | 1.06% | 1.45% | Beats 24% | 570 / 746 | | |
| Return on Equity | 6.91% | 6.74% | 10.51% | 13.63% | Beats 27% | 547 / 746 | | |
| Net Interest Margin | 3.95% | 3.17% | 3.68% | 4.16% | Beats 64% | 271 / 746 | | |
| Efficiency Ratio | 74.20% | 55.74% | 64.58% | 75.47% | Beats 27% | 542 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.73% | 0.09% | 0.42% | 1.07% | Beats 15% | 636 / 743 | | |
| Net Charge-Offs / Loans | 0.37% | 0.00% | 0.01% | 0.05% | Beats 4% | 715 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 11.55% | 13.75% | 17.60% | Beats 66% | 256 / 746 | | |
| Total Risk-Based Capital Ratio | 16.43% | 11.71% | 14.33% | 18.43% | Beats 66% | 252 / 746 | | |
| Equity / Assets | 10.07% | 8.90% | 10.51% | 13.06% | Beats 44% | 416 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.23% | 61.31% | 78.27% | 90.78% | 28th pctl | 537 / 746 | | |
| Loans / Assets | 56.46% | 53.60% | 66.97% | 76.08% | 30th pctl | 521 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |