Bank of Cattaraugus: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Cattaraugus of Cattaraugus, NY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.96% | 3.33% | -2.37% | 45th below |
| ROAE | 9.38% | 8.28% | +1.10% | 55th above |
| Net Interest Margin | 5.80% | 3.92% | +1.88% | 96th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 77.99% | 84.48% | -6.49% | 35th below |
| PPNR / Avg Assets | 1.15% | 1.56% | -0.41% | 46th below |
| Yield on Earning Assets | 6.34% | 5.24% | +1.10% | 86th top |
| Cost of Funds | 0.57% | 1.67% | -1.10% | 94th top |
| Net Interest Spread | 5.35% | 3.30% | +2.05% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.16% | 1.42% | -0.26% | 27th below |
| NPA / Total Assets | 0.85% | 0.71% | +0.14% | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.22% | 1.53% | -0.31% | 48th below |
| ACL / NPLs (Coverage) | 105.34% | 723.11% | -617.77% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.06% | 8.56% | -1.50% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.39% | 127.08% | -109.69% | 34th below |
| Tier 1 Ratio | 17.39% | 127.10% | -109.71% | 34th below |
| Total Capital Ratio | 18.48% | 127.98% | -109.50% | 34th below |
| Leverage Ratio | 10.32% | 22.10% | -11.78% | 21st bottom |
| Equity / Assets | 11.28% | 20.74% | -9.46% | 39th below |
| TCE / Tangible Assets | 11.28% | 20.49% | -9.21% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.78% | 74.28% | -9.50% | 53rd above |
| Core Deposit Ratio | 100.00% | 88.29% | +11.71% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.47% | 3.82% | +3.65% | 75th top |
| Loan Growth (Y/Y) | 7.56% | 6.85% | +0.71% | 71st above |
| Deposit Growth (Y/Y) | 7.50% | 2.97% | +4.53% | 75th top |
See Bank of Cattaraugus's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Cattaraugus, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Cattaraugus profile, how to read a UBPR, or how this data updates.