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The Canandaigua National Bank And Trust Company
Canandaigua, NY · FDIC Certificate #6985 · Chartered 12/0
Total assets
$5.41B
Total deposits
$4.56B
Total equity
$479.56M
Net loans
$4.05B
Branches (offices)
28
Net income (YTD)
$34.35M
Rank: #272 of 4,213 U.S. banks by assets · #25 of 115 in New York. Assets changed 4.4% and deposits 9.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 14.71% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 8.87% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 33.8% |
| Noncurrent loans (share of loans) | 0.83% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.86B | 70.6% | |
| Commercial & industrial | $445.55M | 11.0% | |
| Consumer / individual | $782.03M | 19.3% | |
| Construction & development | $180.50M | 4.5% | |
| Agricultural | $791.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.61B | $3.83B | $24.27M | $342.85M |
| Jun 2023 | $4.91B | $3.60B | $25.81M | $362.68M |
| Jun 2024 | $4.93B | $3.71B | $21.27M | $390.29M |
| Jun 2025 | $5.18B | $4.17B | $28.44M | $431.69M |
| Jun 2026 | $5.41B | $4.56B | $34.35M | $479.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $4.56B | 28 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.56B.
Similar-sized banks
Stride Bank, National Association ($5.42B) · City Bank ($5.39B)
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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