CATTARAUGUS COUNTY BANK

LITTLE VALLEY, NY | Small | Est. Jan. 1, 1902, midnight | FDIC #12959 | RSSD #254504 | FDIC
Latest Report: 2025-12-31

CATTARAUGUS COUNTY BANK is asn small FDIC-insured commercial bank headquartered in LITTLE VALLEY, NY, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $375M and total deposits of $329M. Profitability stands at 1.50% ROA and 14.83% ROE, with a net interest margin of 4.78%. The bank's CET1 capital ratio is 14.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.31% and a Texas Ratio of 7.93%. FDIC Certificate #12959.

Assets

$375M

Deposits

$329M

Loans

$226M

Equity

$38M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 14.83%
Net Interest Margin (NIM) 4.78%
Yield on Assets 5.94%
Cost of Funds 1.21%

Asset Quality

NPL Ratio 1.31%
Net Charge-Off Ratio -0.13%
Texas Ratio 7.93%
NPA Ratio 0.85%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 14.91%
Tier 1 Capital 14.91%
Total Capital Ratio 15.96%
Leverage Ratio 11.15%
Loan-to-Deposit 68.71%

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