Bank of Cattaraugus
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Data as of · sourced from FFIEC call reports. How we update
Bank of Cattaraugus is an FDIC-insured commercial bank headquartered in Cattaraugus, NY, established in 1882 (FDIC certificate 9406), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $31.0M, up 7.5% from Q2 2025, the 103rd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9406
- Headquarters
- Cattaraugus, NY
- Established
- 1882
- Total assets, Q2 2026
- $31.0M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 17.39%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 022306847
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Cattaraugus call report
- Asset rank in state
- 103rd of 105 in New York
Bank of Cattaraugus earns an unusually wide margin on its lending. The Cattaraugus, New York bank had $31 million in assets at June 30, 2026, up 7.5% from a year earlier. It keeps 5.80 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.57% on its deposits and borrowings, about a third the median of 1.53% for banks its size.
Its $2.7 million commercial and industrial book is improving, with 3.31% past due or on nonaccrual, down from 7.78% a year earlier. Net income for the quarter slipped 29% from a year earlier, to $81,000. Where it has less room is capital: it funds 10.32% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Bank of Cattaraugus reported a CET1 capital ratio of 17.39%, a return on assets of 0.96%, a nonperforming-loan ratio of 1.16% and a Texas ratio of 7.06%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Bank of Cattaraugus is the 103rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 11.1% to $31.0M, loans rose 4.5% and deposits fell 12.6%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 46.3% of total loans, followed by commercial and industrial loans at 15.3%. The FDIC Summary of Deposits lists a single office for it, in Cattaraugus, NY. On its Q2 2026 call report, Bank of Cattaraugus meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 24 Main St, Cattaraugus, NY 14719
- County
- Cattaraugus
- Metro Area
- Olean, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- 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
- March 30, 1882
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $27.4M
- Allowance for credit losses
- $217K
- Net charge-offs (YTD)
- $0
- Average total assets
- $33.9M
- Average total loans
- $18.3M
- Average interest-bearing deposits
- $19.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9406
- Fed RSSD
- 92902
- Website
- www.BankofCattaraugus.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Cattaraugus's total assets ranged from $26.1M (Q4 2024) to $34.9M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$31.0M total assets against $28.8M; $27.5M total liabilities against $25.6M.
$17.6M net loans and leases against $16.3M; $27.4M total deposits against $25.5M.
$6.6M securities against $7.2M; $5.3M cash and balances due against $3.8M.
$504K total interest income against $486K; $44K total interest expense against $40K.
$460K net interest income against $446K.
$25K total noninterest income against $23K; $388K total noninterest expense against $335K.
$5K provision for credit losses against $0.
$81K net income against $114K.
0.96% return on assets against 1.41%; 5.80% net interest margin against 5.90%.
17.39% CET1 capital ratio against 17.42%; 10.32% tier 1 leverage ratio against 10.08%.
Inside the full Bank of Cattaraugus terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.15% (Q4 2025) to 1.41% (Q2 2025) and its net interest margin ran from 5.80% (Q2 2026) to 6.29% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.39% | 0.96% | 1.16% | 7.06% | 5.80% |
| Q1 2026 | 17.89% | 1.17% | 0.66% | 4.66% | 5.95% |
| Q4 2025 | 17.38% | -0.15% | 0.81% | 5.46% | 6.21% |
| Q3 2025 | 17.35% | 0.95% | 1.47% | 8.66% | 6.29% |
| Q2 2025 | 17.42% | 1.41% | 1.27% | 7.65% | 5.90% |
| Q1 2025 | 16.79% | 1.01% | 1.15% | 7.40% | 5.96% |
| Q4 2024 | 16.78% | -0.14% | 0.74% | 5.35% | 6.08% |
| Q3 2024 | 17.91% | 0.91% | 1.28% | 7.62% | 6.02% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Cattaraugus (main office) | Cattaraugus , NY | 14719 | $27.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 167 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Cattaraugus
What are Bank of Cattaraugus's total assets?
As of the Q2 2026 filing, Bank of Cattaraugus reported total assets of $31.0 million in its FFIEC call report.
Where is Bank of Cattaraugus headquartered?
It is headquartered in Cattaraugus, NY, United States.
When was Bank of Cattaraugus founded?
It was established in 1882, per the FDIC institution directory.
Is Bank of Cattaraugus FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Cattaraugus?
Bank of Cattaraugus's primary federal regulator is the Federal Reserve.
What is Bank of Cattaraugus's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Cattaraugus operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Cattaraugus's Texas Ratio?
Its Texas Ratio is 7.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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