Bank of Cattaraugus
Cattaraugus, NY · Cert 9406 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 1 branch
Q2 2026
$31.0MAssets
$17.8MLoans
$27.4MDeposits
$3.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: nonperforming loans / loans trails 74% of banks under $1B in assets (rank 431 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.10%
Rank 281 of 629
Net Interest Margin
5.20%
Rank 16 of 629
Efficiency Ratio
78.69%
Rank 468 of 629
Equity / Assets
11.28%
Rank 269 of 629
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 26% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.60% | 1.01% | 1.45% | Beats 55% | 281 / 629 | |
| Return on Equity | 9.73% | 5.38% | 9.30% | 13.28% | Beats 52% | 299 / 629 | |
| Net Interest Margin | 5.20% | 3.03% | 3.54% | 4.05% | Beats 97% | 16 / 629 | |
| Efficiency Ratio | 78.69% | 58.35% | 67.79% | 79.08% | Beats 26% | 468 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.16% | 0.09% | 0.46% | 1.20% | Beats 26% | 431 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 17.39% | 11.24% | 13.84% | 18.77% | Beats 71% | 182 / 629 | |
| Total Risk-Based Capital Ratio | 18.48% | 11.58% | 14.43% | 19.66% | Beats 72% | 179 / 629 | |
| Equity / Assets | 11.28% | 9.09% | 10.65% | 13.80% | Beats 57% | 269 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 64.78% | 67.24% | 80.90% | 93.48% | 23rd pctl | 457 / 594 | |
| Loans / Assets | 57.38% | 53.31% | 67.71% | 78.15% | 31st pctl | 436 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |