Bank of Cattaraugus: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 82.27 percentage points lower than in Q1 2026, at 105.34%. Bank of Cattaraugus ranks 55th of 105 New York banks on return on assets, in the lower half at 0.96% (Q2 2026). At 0.96%, Bank of Cattaraugus's return on assets is close to the 0.98% median for banks in the < $100M asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.39% |
| Tier 1 risk-based capital ratio | 17.39% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 10.32% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.16% |
| Non-performing assets ratio | 0.85% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.06% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 105.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 9.38% |
| Net interest margin | 5.80% |
| Efficiency ratio | 77.99% |
| Yield on earning assets | 6.34% |
| Cost of funds | 0.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.78% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.57% |
| Securities to assets | 21.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.97% | 17.97% | 19.22% | 8.14% | 0.73% |
| Q4 2023 | 17.70% | 17.70% | 18.94% | 8.70% | 0.32% |
| Q1 2024 | 18.16% | 18.16% | 19.41% | 9.52% | 1.19% |
| Q2 2024 | 17.72% | 17.72% | 18.89% | 9.52% | 1.39% |
| Q3 2024 | 17.91% | 17.91% | 19.08% | 11.53% | 0.91% |
| Q4 2024 | 16.78% | 16.78% | 17.89% | 10.85% | -0.14% |
| Q1 2025 | 16.79% | 16.79% | 17.89% | 10.73% | 1.01% |
| Q2 2025 | 17.42% | 17.42% | 18.51% | 10.08% | 1.41% |
| Q3 2025 | 17.35% | 17.35% | 18.42% | 11.95% | 0.95% |
| Q4 2025 | 17.38% | 17.38% | 18.49% | 10.59% | -0.15% |
| Q1 2026 | 17.89% | 17.89% | 19.00% | 11.19% | 1.17% |
| Q2 2026 | 17.39% | 17.39% | 18.48% | 10.32% | 0.96% |
Bank of Cattaraugus vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cattaraugus, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)