CAYUGA LAKE NATIONAL BANK

UNION SPRINGS, NY | Small | Est. Jan. 1, 1864, midnight | FDIC #6954 | RSSD #63201 | OCC
Latest Report: 2025-12-31

CAYUGA LAKE NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in UNION SPRINGS, NY, established in Jan. 1, 1864, midnight. As of 2025-12-31, the bank reported total assets of $288M and total deposits of $264M. Profitability stands at 0.50% ROA and 6.55% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 17.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.17% and a Texas Ratio of 16.20%. FDIC Certificate #6954.

Assets

$288M

Deposits

$264M

Loans

$176M

Equity

$21M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 6.55%
Net Interest Margin (NIM) 3.15%
Yield on Assets 4.73%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 2.17%
Net Charge-Off Ratio -0.06%
Texas Ratio 16.20%
NPA Ratio 1.32%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 17.42%
Tier 1 Capital 17.42%
Total Capital Ratio 18.68%
Leverage Ratio 9.35%
Loan-to-Deposit 66.63%

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