Canandaigua National Bank and Trust Company, The
Canandaigua, NY · Cert 6985 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 74% of banks $1B-$10B in assets (rank 84 of 317).
- Widest gap: equity / assets trails 78% of banks $1B-$10B in assets (rank 247 of 317).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.27%
Rank 143 of 317
Net Interest Margin
3.40%
Rank 173 of 317
Efficiency Ratio
59.17%
Rank 148 of 317
Equity / Assets
8.87%
Rank 247 of 317
Non-interest income vs. expense
Unfavorable gap of $85.6M · efficiency ratio beats 54% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.93% | 1.22% | 1.51% | Beats 55% | 143 / 317 | |
| Return on Equity | 14.33% | 8.63% | 11.43% | 14.48% | Beats 74% | 84 / 317 | |
| Net Interest Margin | 3.40% | 3.06% | 3.45% | 3.83% | Beats 45% | 173 / 317 | |
| Efficiency Ratio | 59.17% | 51.90% | 59.69% | 67.53% | Beats 54% | 148 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.24% | 0.51% | 1.14% | Beats 35% | 203 / 311 | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.04% | 0.12% | Beats 26% | 230 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 12.34% | 11.75% | 13.15% | 15.30% | Beats 36% | 203 / 317 | |
| Total Risk-Based Capital Ratio | 13.38% | 12.63% | 14.21% | 16.26% | Beats 38% | 195 / 317 | |
| Equity / Assets | 8.87% | 9.06% | 10.32% | 11.95% | Beats 22% | 247 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 89.73% | 76.63% | 88.04% | 95.67% | 54th pctl | 144 / 312 | |
| Loans / Assets | 75.61% | 65.41% | 74.05% | 79.71% | 57th pctl | 136 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |