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Cattaraugus County Bank

Little Valley, NY · Cert 12959 · C C Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$384.7MAssets
$217.2MLoans
$338.2MDeposits
$38.8MEquity
Loan mix
84%RE $185.6M14%C&I $31.0M1%Consumer $3.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $241.1M29%Noninterest $97.1MQ2 2025Q2 2026

NIM

5.14%Q2 ’245.04%Q2 ’255.04%Q2 ’26+6%+2%

Non-interest income vs. expense

3.09%Q2 ’243.40%Q2 ’253.32%Q2 ’26+12%-2%

Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.1% share · #17 of 20 inst. · $0.1B of $67.0B

12.5% Cattaraugus
3.5% Chautauqua
0.1% Erie

Executive Summary

  • Earnings: ROA of 0.68%, up 4 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 1.73% of loans (+14 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.26%, down 4 bps from a year ago.
  • Funding: loans stand at 64.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.68%+4 bps YoY

Net Interest Margin (quarter, annualized)

4.03%+8 bps YoY

Efficiency Ratio (quarter, annualized)

72.60%-268 bps YoY

Tier 1 Leverage Ratio

11.26%-4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.16%1.50%0.73%0.68%+4 bps
Return on Equity6.52%1.58%14.83%7.27%6.78%+26 bps
Net Interest Margin3.95%3.69%4.39%3.84%4.03%+8 bps
Efficiency Ratio75.28%71.13%69.10%75.90%72.60%-268 bps
Non-Interest Burden2.84%2.47%2.89%2.81%2.77%-6 bps
Growth
Asset Growth (YoY)-0.78%-1.11%5.65%5.76%5.34%+612 bps
Loan Growth (YoY)-2.68%-2.31%-1.17%-2.50%-4.25%-157 bps
Deposit Growth (YoY)-0.39%1.71%5.49%5.22%5.60%+600 bps
Asset Quality
Nonperforming Loans / Loans1.59%1.76%1.31%0.96%1.73%+14 bps
Net Charge-Offs / Loans0.03%0.23%-0.76%1.44%-0.01%-4 bps
Allowance / Loans0.62%1.00%1.01%0.76%0.94%+32 bps
Allowance Coverage of NPLs0.4x0.6x0.8x0.8x0.5x+0.2x
Capital
Tier 1 Leverage Ratio11.30%10.99%11.15%11.07%11.26%-4 bps
Total Risk-Based Capital15.17%15.44%15.94%16.04%16.43%+126 bps
Equity / Assets9.84%10.02%10.15%9.99%10.07%+24 bps
Liquidity & Funding
Loans / Deposits70.84%70.26%68.71%66.30%64.23%-661 bps
Liquid Assets / Assets11.68%11.58%11.60%10.97%13.91%+222 bps
CRE / Total Capitaln/a301%287%277%n/an/a