Bank of Cattaraugus: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 10.56 percentage points in Q2 2026, from 54.22% to 64.78%. It was the largest change from Q1 2026 among the key lines here. Bank of Cattaraugus ranks 82nd of 105 New York banks on loan-to-deposit ratio, in the lower half at 64.78% (Q2 2026). Bank of Cattaraugus reported 64.78% on loan-to-deposit ratio for Q2 2026, 2.84 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.8M |
| Net loans and leases | $17.6M |
| Loans held for sale | $0 |
| Loans to total assets | 57.38% |
| Loan-to-deposit ratio | 64.78% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.74% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.30% |
| Consumer | 16.14% |
| Credit cards | 0.00% |
| Farm | 6.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.11% |
| Construction concentration (Tier 1 capital + allowance) | 9.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $373K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $13.8M | $31.2M | 39.66% | 16.94% | 17.69% |
| Q4 2023 | $14.0M | $28.6M | 40.72% | 16.71% | 17.87% |
| Q1 2024 | $13.9M | $30.9M | 37.49% | 20.36% | 18.89% |
| Q2 2024 | $15.0M | $26.0M | 43.79% | 18.77% | 17.56% |
| Q3 2024 | $15.2M | $26.7M | 47.09% | 17.51% | 16.87% |
| Q4 2024 | $16.3M | $22.9M | 48.20% | 17.69% | 17.26% |
| Q1 2025 | $16.8M | $30.6M | 48.37% | 18.30% | 16.03% |
| Q2 2025 | $16.5M | $25.5M | 52.61% | 17.10% | 15.72% |
| Q3 2025 | $17.0M | $28.9M | 53.21% | 16.64% | 15.78% |
| Q4 2025 | $17.0M | $23.9M | 50.62% | 15.45% | 15.81% |
| Q1 2026 | $17.0M | $31.4M | 48.31% | 14.20% | 16.40% |
| Q2 2026 | $17.8M | $27.4M | 47.74% | 15.30% | 16.14% |
Bank of Cattaraugus loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cattaraugus, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Cattaraugus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9406) · FFIEC NIC profile (RSSD 92902)