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Letter portraitLegal landscapeQuarterYTD

Cayuga Lake National Bank

Union Springs, NY · Cert 6954 · Cayuga Lake Bank Corp.

National charter · OCC · 3 branches

Q2 2026

$273.7MAssets
$175.2MLoans
$249.1MDeposits
$21.7MEquity
Loan mix
87%RE $151.2M10%C&I $16.6M4%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $184.2M26%Noninterest $64.9MQ3 2024Q2 2026

Market Position · Ithaca, NY · 2026 SOD (annual) · 1.2% share · #10 of 11 inst. · $0.0B of $2.9B

13.7% Cayuga
1.2% Tompkins

Executive Summary

  • Earnings: ROA of 0.60%, down 6 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 2.46% of loans (+89 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.30%, down 13 bps from a year ago.
  • Funding: loans stand at 70.35% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.60%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+21 bps YoY

Efficiency Ratio (YTD, annualized)

83.40%+442 bps YoY

Tier 1 Leverage Ratio

9.30%-13 bps YoY

NIM

4.50%Q2 ’244.34%Q2 ’254.26%Q2 ’26+15%+8%

Non-interest income vs. expense

2.32%Q2 ’242.34%Q2 ’252.64%Q2 ’26+2%+15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.26%0.59%0.65%0.71%0.66%0.51%0.60%-6 bps
Return on Equity1.82%3.82%8.46%9.18%9.74%8.96%6.92%7.88%-131 bps
Net Interest Margin2.35%2.44%2.62%2.67%2.72%2.78%2.86%2.87%+21 bps
Efficiency Ratio86.69%83.93%80.90%78.98%79.31%79.68%84.10%83.40%+442 bps
Non-Interest Burden2.00%2.01%2.06%2.04%2.09%2.16%2.36%2.35%+30 bps
Growth
Asset Growth (YoY)4.80%-2.70%-0.43%-3.26%-3.87%2.02%0.08%-0.86%+241 bps
Loan Growth (YoY)5.84%0.87%-4.66%-6.60%-8.05%-7.14%-3.04%-2.02%+458 bps
Deposit Growth (YoY)-0.35%-2.30%-1.13%-2.87%-0.08%2.73%0.13%-1.25%+162 bps
Asset Quality
Nonperforming Loans / Loans1.42%2.89%1.47%1.57%2.28%2.20%2.47%2.46%+89 bps
Net Charge-Offs / Loans0.21%0.20%0.04%0.02%-0.05%-0.06%0.00%0.06%+4 bps
Allowance / Loans1.35%1.37%1.39%1.39%1.36%1.36%1.33%1.23%-15 bps
Allowance Coverage of NPLs1.0x0.5x0.9x0.9x0.6x0.6x0.5x0.5x-0.4x
Capital
Tier 1 Leverage Ratio8.83%9.12%9.26%9.44%9.70%9.35%9.22%9.30%-13 bps
Total Risk-Based Capital16.99%17.26%18.39%18.99%19.49%18.68%18.47%18.69%-29 bps
Equity / Assets7.14%6.90%7.15%7.24%7.94%7.35%7.45%7.93%+69 bps
Liquidity & Funding
Loans / Deposits76.40%73.72%70.53%70.90%70.31%66.63%68.29%70.35%-56 bps
Liquid Assets / Assets9.22%9.68%11.42%10.07%10.38%14.48%11.95%9.21%-86 bps
CRE / Total Capitaln/an/an/an/a113.92%123.85%129.07%n/an/a