BANK OF CATTARAUGUS

CATTARAUGUS, NY | Micro | Est. March 30, 1882, midnight | FDIC #9406 | RSSD #92902 | FED
Latest Report: 2025-12-31

BANK OF CATTARAUGUS is amn micro FDIC-insured commercial bank headquartered in CATTARAUGUS, NY, established in March 30, 1882, midnight. As of 2025-12-31, the bank reported total assets of $27M and total deposits of $24M. Profitability stands at -0.16% ROA and -1.44% ROE, with a net interest margin of 6.48%. The bank's CET1 capital ratio is 17.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.46%. FDIC Certificate #9406.

Assets

$27M

Deposits

$24M

Loans

$17M

Equity

$3M

Profitability

Return on Assets (ROA) -0.16%
Return on Equity (ROE) -1.44%
Net Interest Margin (NIM) 6.48%
Yield on Assets 7.04%
Cost of Funds 1.11%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio -0.01%
Texas Ratio 5.46%
NPA Ratio 0.71%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 17.38%
Tier 1 Capital 17.38%
Total Capital Ratio 18.49%
Leverage Ratio 10.59%
Loan-to-Deposit 70.99%

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