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Cattaraugus County Bank
Little Valley, NY · FDIC Certificate #12959 · Chartered 01/0
Total assets
$384.68M
Total deposits
$338.15M
Total equity
$38.75M
Net loans
$215.15M
Branches (offices)
7
Net income (YTD)
$1.34M
Rank: #2,120 of 4,213 U.S. banks by assets · #82 of 115 in New York. Assets changed 5.3% and deposits 5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 7.01% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 10.07% |
| Tier 1 leverage ratio | 11.26% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 1.73% |
| Net charge-offs (share of loans) | 0.71% |
| Loans to deposits | 63.6% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.92M | 84.6% | |
| Commercial & industrial | $30.74M | 14.3% | |
| Consumer / individual | $2.88M | 1.3% | |
| Construction & development | $2.99M | 1.4% | |
| Agricultural | $742.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $326.10M | $290.32M | $1.10M | $28.04M |
| Jun 2023 | $355.71M | $310.65M | $2.09M | $29.30M |
| Jun 2024 | $368.04M | $321.48M | $1.08M | $32.31M |
| Jun 2025 | $365.17M | $320.21M | $1.12M | $35.93M |
| Jun 2026 | $384.68M | $338.15M | $1.34M | $38.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $338.15M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $338.15M.
Similar-sized banks
New Valley Bank & Trust ($384.97M) · The Fahey Banking Company ($384.66M)
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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