Cayuga Lake National Bank
Union Springs, NY · Cert 6954 · Peer group: banks under $1B in assets (n=581-629) · Cayuga Lake Bank Corp.
National charter · OCC · 3 branches
Q2 2026
$273.7MAssets
$175.2MLoans
$249.1MDeposits
$21.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets (rank 174 of 629).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets (rank 524 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.61%
Rank 469 of 629
Net Interest Margin
2.87%
Rank 509 of 629
Efficiency Ratio
83.40%
Rank 506 of 629
Equity / Assets
7.93%
Rank 557 of 629
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 20% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.61% | 0.60% | 1.01% | 1.45% | Beats 25% | 469 / 629 | |
| Return on Equity | 7.71% | 5.38% | 9.30% | 13.28% | Beats 38% | 390 / 629 | |
| Net Interest Margin | 2.87% | 3.03% | 3.54% | 4.05% | Beats 19% | 509 / 629 | |
| Efficiency Ratio | 83.40% | 58.35% | 67.79% | 79.08% | Beats 20% | 506 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.46% | 0.09% | 0.46% | 1.20% | Beats 10% | 524 / 581 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 371 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 17.44% | 11.24% | 13.84% | 18.77% | Beats 71% | 181 / 629 | |
| Total Risk-Based Capital Ratio | 18.69% | 11.58% | 14.43% | 19.66% | Beats 72% | 174 / 629 | |
| Equity / Assets | 7.93% | 9.09% | 10.65% | 13.80% | Beats 11% | 557 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 70.35% | 67.24% | 80.90% | 93.48% | 31st pctl | 409 / 594 | |
| Loans / Assets | 64.01% | 53.31% | 67.71% | 78.15% | 43rd pctl | 360 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |