Canandaigua National Bank and Trust Company, The
Canandaigua, NY · Cert 6985 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 328).
- Widest gap: equity / assets trails 79% of banks $1B-$10B in assets (rank 260 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.27%
Rank 148 of 328
Net Interest Margin
3.40%
Rank 179 of 328
Efficiency Ratio
59.17%
Rank 158 of 328
Equity / Assets
8.87%
Rank 260 of 328
Non-interest income vs. expense
Unfavorable gap of $85.6M · efficiency ratio beats 52% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.91% | 1.22% | 1.52% | Beats 55% | 148 / 328 | | |
| Return on Equity | 14.33% | 8.43% | 11.45% | 14.43% | Beats 74% | 84 / 328 | | |
| Net Interest Margin | 3.40% | 3.03% | 3.45% | 3.83% | Beats 45% | 179 / 328 | | |
| Efficiency Ratio | 59.17% | 51.61% | 59.56% | 67.53% | Beats 52% | 158 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.24% | 0.51% | 1.03% | Beats 33% | 216 / 322 | | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.03% | 0.10% | Beats 25% | 243 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.34% | 11.75% | 13.15% | 15.47% | Beats 37% | 207 / 328 | | |
| Total Risk-Based Capital Ratio | 13.38% | 12.63% | 14.15% | 16.46% | Beats 39% | 199 / 328 | | |
| Equity / Assets | 8.87% | 9.15% | 10.33% | 12.01% | Beats 21% | 260 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.73% | 76.63% | 87.92% | 95.36% | 54th pctl | 148 / 323 | | |
| Loans / Assets | 75.61% | 65.18% | 74.15% | 79.98% | 57th pctl | 141 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |