Cayuga Lake National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Cayuga Lake National Bank. It reported $274 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.46% of loans from 1.57% a year earlier. It carries problem assets equal to 18.0% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.0 million equal 23% of Tier 1 capital, down from 36% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Cayuga Lake National Bank reported a CET1 capital ratio of 17.44%, a return on assets of 0.67%, a nonperforming-loan ratio of 2.46% and a Texas ratio of 18.03%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 165 Cayuga St, Union Springs, NY 13160
- County
- Cayuga
- Metro Area
- Auburn, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1864
- Offices
- 3 domestic
- Employees (FTE)
- 36
- Domestic deposits
- $249.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $281.5M
- Average total loans
- $175.0M
- Average interest-bearing deposits
- $191.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6954
- Fed RSSD
- 63201
- SEC CIK
- 826502 → filed by CAYUGA LAKE BANK CORPORATION
- Website
- www.cayugalakenationalbank.com →
- Parent Holding Company
- CAYUGA LAKE BANK CORPORATION (RSSD 1249075)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cayuga Lake National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cayuga Lake National Bank, freeCayuga Lake National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Cayuga Lake National Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.44% | 0.67% | 2.46% | 18.03% | 3.07% |
| Q1 2026 | 17.22% | 0.52% | 2.47% | 18.61% | 3.05% |
| Q4 2025 | 17.42% | 0.50% | 2.20% | 16.44% | 3.09% |
| Q3 2025 | 18.24% | 0.81% | 2.28% | 16.53% | 2.96% |
| Q2 2025 | 17.73% | 0.70% | 1.57% | 12.47% | 2.88% |
| Q1 2025 | 17.13% | 0.59% | 1.47% | 11.82% | 2.78% |
| Q4 2024 | 16.01% | 0.67% | 2.89% | 24.80% | 2.93% |
| Q3 2024 | 15.74% | 0.30% | 1.42% | 11.76% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cayuga Lake National Bank (main office) | Union Springs , NY | 13160 | $174.1M |
| Aurora Drive Thru Branch | Aurora , NY | 13026 | $39.8M |
| Lansing Branch | Lansing , NY | 14882 | $35.2M |
Regulatory record
What the public regulatory sources show for Cayuga Lake National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action December 3, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 124 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $693K approved, $173K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cayuga Lake National Bank
What are Cayuga Lake National Bank's total assets?
As of the Q2 2026 filing, Cayuga Lake National Bank reported total assets of $273.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cayuga Lake National Bank headquartered?
Cayuga Lake National Bank is headquartered in Union Springs, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Cayuga Lake National Bank founded?
Cayuga Lake National Bank was established in 1864, per the FDIC institution directory.
Is Cayuga Lake National Bank FDIC-insured?
Yes. Cayuga Lake National Bank is an FDIC-insured commercial bank (FDIC Certificate #6954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cayuga Lake National Bank?
Cayuga Lake National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cayuga Lake National Bank's CET1 capital ratio?
Cayuga Lake National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cayuga Lake National Bank operate?
Cayuga Lake National Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cayuga Lake National Bank's Texas Ratio?
Cayuga Lake National Bank's Texas Ratio is 18.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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