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Cayuga Lake National Bank
Union Springs, NY · FDIC Certificate #6954 · Chartered 01/0
Total assets
$273.74M
Total deposits
$249.07M
Total equity
$21.70M
Net loans
$173.05M
Branches (offices)
3
Net income (YTD)
$837.00K
Rank: #2,599 of 4,213 U.S. banks by assets · #93 of 115 in New York. Assets changed -0.9% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 7.88% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 7.93% |
| Tier 1 leverage ratio | 9.30% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 2.46% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 69.5% |
| Real estate loans (share of loans) | 87.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $151.59M | 87.6% | |
| Commercial & industrial | $15.86M | 9.2% | |
| Consumer / individual | $6.74M | 3.9% | |
| Construction & development | $756.00K | 0.4% | |
| Agricultural | $1.01M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $242.02M | $219.94M | $848.00K | $16.80M |
| Jun 2023 | $260.20M | $241.52M | $643.00K | $17.70M |
| Jun 2024 | $285.41M | $259.66M | $47.00K | $18.77M |
| Jun 2025 | $276.10M | $252.21M | $911.00K | $19.98M |
| Jun 2026 | $273.74M | $249.07M | $837.00K | $21.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $249.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $249.07M.
Similar-sized banks
Applied Bank ($274.13M) · Citizens Bank And Trust Company Of Grainger County ($273.21M)
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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