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Canandaigua National Bank and Trust Company, The

Canandaigua, NY · Cert 6985 · Canandaigua National Corp.

National charter · OCC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Canandaigua National Bank and Trust Company, The

Canandaigua, NY · Cert 6985 · Canandaigua National Corp.

National charter · OCC · 28 branches

Q2 2026

$5.4BAssets
$4.1BLoans
$4.6BDeposits
$479.5MEquity
Loan mix
70%RE $2.8B11%C&I $0.4B19%Consumer $0.8BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $3.7B19%Noninterest $0.9BQ2 2025Q2 2026

NIM

4.88%Q2 ’245.10%Q2 ’255.28%Q2 ’26+15%+9%

Non-interest income vs. expense

2.46%Q2 ’242.48%Q2 ’252.62%Q2 ’26+1%+10%

Market Position · Rochester, NY · 2026 SOD (annual) · 16.7% share · #2 of 19 inst. · $4.5B of $27.0B

12.5% Monroe
52.4% Ontario
0.3% Onondaga

Executive Summary

  • Earnings: ROA of 1.27%, up 16 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.83% of loans (-18 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 9.01%, up 39 bps from a year ago.
  • Funding: loans stand at 89.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+29 bps YoY

Efficiency Ratio (YTD, annualized)

59.17%-59 bps YoY

Tier 1 Leverage Ratio

9.01%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.17%1.15%1.34%1.27%+16 bps
Return on Equity13.59%14.26%13.90%15.62%14.71%+112 bps
Net Interest Margin3.11%3.15%3.15%3.36%3.40%+29 bps
Efficiency Ratio59.76%59.47%60.32%58.30%59.17%-59 bps
Non-Interest Burden1.44%1.45%1.49%1.55%1.59%+15 bps
Growth
Asset Growth (YoY)5.00%6.19%5.32%6.01%4.38%-62 bps
Loan Growth (YoY)4.06%3.49%3.05%4.75%4.81%+75 bps
Deposit Growth (YoY)12.56%13.95%9.30%8.69%9.12%-344 bps
Asset Quality
Nonperforming Loans / Loans1.01%1.08%0.93%0.88%0.83%-18 bps
Net Charge-Offs / Loans0.42%0.33%0.29%0.13%0.10%-32 bps
Allowance / Loans0.95%0.95%0.96%0.93%0.94%0 bps
Allowance Coverage of NPLs0.9x0.9x1.0x1.0x1.1x+0.2x
Capital
Tier 1 Leverage Ratio8.62%8.66%8.74%8.66%9.01%+39 bps
Total Risk-Based Capital12.73%13.01%13.35%13.38%13.38%+65 bps
Equity / Assets8.33%8.40%8.62%8.50%8.87%+54 bps
Liquidity & Funding
Loans / Deposits93.42%91.68%89.54%88.01%89.73%-369 bps
Liquid Assets / Assets12.02%13.67%13.61%13.88%10.34%-168 bps
CRE / Total Capitaln/a324%318%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Canandaigua National Bank and Trust Company, The

Canandaigua, NY · Cert 6985 · Peer group: banks $1B-$10B in assets (n=313-319) · Canandaigua National Corp.

National charter · OCC · 28 branches

Q2 2026

$5.4BAssets
$4.1BLoans
$4.6BDeposits
$479.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 73% of banks $1B-$10B in assets (rank 86 of 319).
  • Widest gap: equity / assets trails 78% of banks $1B-$10B in assets (rank 248 of 319).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.27%

Rank 141 of 319

Net Interest Margin

3.40%

Rank 172 of 319

Efficiency Ratio

59.17%

Rank 151 of 319

Equity / Assets

8.87%

Rank 248 of 319

Non-interest income vs. expense

$55.8M$141.4MINCOMEEXPENSE
Unfavorable gap of $85.6M · efficiency ratio beats 53% of banks $1B-$10B in assets
Bank 59.17%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.27%0.91%1.21%1.53%Beats 56%141 / 319
Return on Equity14.33%8.49%11.44%14.57%Beats 73%86 / 319
Net Interest Margin3.40%3.06%3.43%3.81%Beats 46%172 / 319
Efficiency Ratio59.17%51.90%59.57%67.64%Beats 53%151 / 319
Asset Quality
Nonperforming Loans / Loans0.83%0.25%0.54%1.18%Beats 35%204 / 313
Net Charge-Offs / Loans0.11%0.01%0.04%0.12%Beats 27%231 / 313
Capital
Tier 1 Capital Ratio12.34%11.74%12.99%15.28%Beats 37%202 / 319
Total Risk-Based Capital Ratio13.38%12.61%14.01%16.23%Beats 39%194 / 319
Equity / Assets8.87%9.03%10.33%12.01%Beats 22%248 / 319
Liquidity & Funding
Loans / Deposits89.73%76.76%88.16%95.43%54th pctl144 / 314
Loans / Assets75.61%65.79%74.05%79.84%57th pctl137 / 319
Brokered Deposits / Depositsn/aNot reported for this institution