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Bank Of Cattaraugus
Cattaraugus, NY · FDIC Certificate #9406 · Chartered 03/3
Total assets
$30.99M
Total deposits
$27.45M
Total equity
$3.50M
Net loans
$17.56M
Branches (offices)
1
Net income (YTD)
$170.00K
Rank: #4,141 of 4,213 U.S. banks by assets · #111 of 115 in New York. Assets changed 7.5% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 9.97% |
| Net interest margin (YTD) | 6.19% |
| Equity to assets | 11.28% |
| Tier 1 leverage ratio | 10.32% |
| Uninsured deposits (share of deposits) | 16.8% |
| Noncurrent loans (share of loans) | 1.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 64.0% |
| Real estate loans (share of loans) | 69.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.19M | 69.4% | |
| Commercial & industrial | $2.72M | 15.5% | |
| Consumer / individual | $2.87M | 16.3% | |
| Construction & development | $339.00K | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $29.00M | $26.55M | $125.00K | $2.40M |
| Jun 2023 | $27.84M | $25.05M | $251.00K | $2.74M |
| Jun 2024 | $29.02M | $25.96M | $202.00K | $3.03M |
| Jun 2025 | $28.84M | $25.53M | $188.00K | $3.27M |
| Jun 2026 | $30.99M | $27.45M | $170.00K | $3.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $27.45M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $27.45M.
Similar-sized banks
Lake Country Community Bank ($31.52M) · Vermont State Bank ($30.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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