The Canandaigua National Bank and Trust Company
Also written as CNB&T
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Data as of · sourced from FFIEC call reports. How we update
The Canandaigua National Bank and Trust Company is an FDIC-insured commercial bank headquartered in Canandaigua, NY, supervised by the OCC, with $5.41B in total assets at Q2 2026, up 4.4% from Q2 2025, the 20th largest of 105 banks headquartered in New York. It was established in 1887 and holds FDIC certificate 6985. Its CET1 capital ratio was 12.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6985
- Headquarters
- Canandaigua, NY
- Established
- 1887
- Total assets, Q2 2026
- $5.41B
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 12.34%
- Domestic offices
- 26 · The Canandaigua National Bank and Trust Company branches FDIC institution directory, current count
- Routing number
- 022303659
- Safety and soundness
- Is The Canandaigua National Bank and Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 041 · The Canandaigua National Bank and Trust Company call report
- Holding company
- CANANDAIGUA NATIONAL CORPORATION
- Asset rank in state
- 20th of 105 in New York
The Canandaigua National Bank and Trust Company operates with a thinner capital cushion than most banks of its size. It reported $5.4 billion in assets at June 30, 2026, up 4.4% from a year earlier. It funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median 10.49%).
Net income for the quarter rose 16% from a year earlier, to $16 million. Over the same year, loans grew 4.8% and deposits grew 9.1%.
As of June 30, 2026, The Canandaigua National Bank and Trust Company reported a CET1 capital ratio of 12.34%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 6.66%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, The Canandaigua National Bank and Trust Company is the 20th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $5.41B, loans rose 2.7% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.2%. Its 28 offices in the FDIC Summary of Deposits are in 17 cities in NY; its Rochester 9 offices book 28% of its branch deposits. Judged on its Q2 2026 call report, The Canandaigua National Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 72 S Main St, Canandaigua, NY 14424
- County
- Ontario
- Metro Area
- Rochester, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 1, 1887
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 647
- Domestic deposits
- $4.56B
- Allowance for credit losses
- $38.6M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $5.39B
- Average total loans
- $4.01B
- Average interest-bearing deposits
- $3.66B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6985
- Fed RSSD
- 161602
- SEC CIK
- 759458 → filed by CANANDAIGUA NATIONAL CORPORATION
- Website
- www.cnbank.com →
- Parent Holding Company
- CANANDAIGUA NATIONAL CORPORATION (RSSD 1133503)
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, The Canandaigua National Bank and Trust Company's total assets ranged from $4.87B (Q4 2023) to $5.46B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.41B total assets against $5.18B; $4.93B total liabilities against $4.75B.
$4.05B net loans and leases against $3.86B; $4.56B total deposits against $4.17B.
$999.6M securities against $919.7M; $204.3M cash and balances due against $247.0M.
$71.6M total interest income against $66.6M; $25.4M total interest expense against $26.0M.
$46.2M net interest income against $40.6M.
$14.8M total noninterest income against $13.9M; $36.6M total noninterest expense against $31.9M.
$3.0M provision for credit losses against $4.1M.
$16.4M net income against $14.1M.
1.21% return on assets against 1.10%; 3.52% net interest margin against 3.26%.
12.34% CET1 capital ratio against 11.71%; 9.01% tier 1 leverage ratio against 8.62%.
Inside the full The Canandaigua National Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Canandaigua National Bank and Trust Company rankings
Its closest position to the top of a national ranking is 266 of 4,196, for total assets; its furthest is 1,602 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.33% (Q1 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.34% | 1.21% | 0.83% | 6.66% | 3.52% |
| Q1 2026 | 12.36% | 1.33% | 0.88% | 7.19% | 3.44% |
| Q4 2025 | 12.30% | 1.10% | 0.93% | 7.64% | 3.44% |
| Q3 2025 | 11.98% | 1.31% | 1.08% | 9.11% | 3.42% |
| Q2 2025 | 11.71% | 1.10% | 1.01% | 8.64% | 3.26% |
| Q1 2025 | 11.48% | 1.14% | 1.03% | 8.81% | 3.18% |
| Q4 2024 | 11.43% | 1.06% | 1.08% | 9.38% | 3.17% |
| Q3 2024 | 11.14% | 1.00% | 1.04% | 9.22% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 28 branches → 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 |
|---|---|---|---|
| The Canandaigua National Bank and Trust Company | Canandaigua , NY | 14424 | $969.2M |
| Pittsford Bank Branch | Pittsford , NY | 14534 | $317.0M |
| Brighton Branch | Rochester , NY | 14618 | $291.6M |
| Victor Branch | Victor , NY | 14564 | $258.7M |
| Lakeshore Branch | Canandaigua , NY | 14424 | $212.3M |
| Chili Paul Plaza Branch | Rochester , NY | 14624 | $181.8M |
| Rochester Bank Branch | Rochester , NY | 14614 | $179.9M |
| Perinton Bank Branch | Fairport , NY | 14450 | $175.3M |
| Henrietta Branch Office Branch | Rochester , NY | 14623 | $160.2M |
| Honeoye Falls Branch | Honeoye Falls , NY | 14472 | $159.9M |
| Farmington Branch | Farmington , NY | 14425 | $146.9M |
| Webster Town Branch | Webster , NY | 14580 | $146.0M |
| Webster Branch | Webster , NY | 14580 | $146.0M |
| Greece Branch | Rochester , NY | 14626 | $141.3M |
| Irondequoit Bank Office | Rochester , NY | 14617 | $126.0M |
| Shortsville-Manchester Branch | Manchester , NY | 14504 | $125.8M |
| Honeoye Branch | Honeoye , NY | 14471 | $123.9M |
| Greece Latta Long Pond Branch | Rochester , NY | 14612 | $119.5M |
| Penfield Bank Branch | Penfield , NY | 14526 | $112.1M |
| Mendon Branch | Mendon , NY | 14506 | $92.3M |
| Holcomb Branch | Bloomfield , NY | 14469 | $89.8M |
| Brockport Branch | Brockport , NY | 14420 | $63.7M |
| Alexander Park Branch | Rochester , NY | 14607 | $62.3M |
| Geneva Bank Office Branch | Geneva , NY | 14456 | $53.1M |
| Basin Park Financial Center Branch | Pittsford , NY | 14534 | $40.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 15, 1967 | M&A | Acquired Hamlin Natioanl Bank of Holoomb merger for the acquired bank | SEC |
| December 15, 1967 | Structure Change | Acquired Hamlin Natioanl Bank of Holoomb Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NY, rank 40 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,709 applications, 749 loans originated, $187.3M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $4.9M approved, $407K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Canandaigua National Bank and Trust Company
What are The Canandaigua National Bank and Trust Company's total assets?
As of the Q2 2026 filing, The Canandaigua National Bank and Trust Company reported total assets of $5.41 billion in its FFIEC call report.
Where is The Canandaigua National Bank and Trust Company headquartered?
It is headquartered in Canandaigua, NY, United States.
When was The Canandaigua National Bank and Trust Company founded?
It was established in 1887, per the FDIC institution directory.
Is The Canandaigua National Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Canandaigua National Bank and Trust Company?
The Canandaigua National Bank and Trust Company's primary federal regulator is the OCC.
What is The Canandaigua National Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Canandaigua National Bank and Trust Company operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Canandaigua National Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 6.66% 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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