The Canandaigua National Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 4.6% in Q2 2026 to -$14.3M, the biggest move on this page. Within New York, The Canandaigua National Bank and Trust Company is 73rd of 82 on CET1 ratio, 12.34% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Canandaigua National Bank and Trust Company sits 1.13 points lower, at 12.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.34% |
| Tier 1 risk-based capital ratio | 12.34% |
| Total risk-based capital ratio | 13.38% |
| Tier 1 leverage ratio | 9.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $485.0M |
| Tier 1 capital | $485.0M |
| Total risk-based capital | $525.7M |
| Total equity capital | $479.5M |
| Risk-weighted assets | $3.93B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.87% |
| Tangible equity to tangible assets | 8.72% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 14.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.0M |
| Common stock surplus | $46.3M |
| Retained earnings | $439.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.71% | 10.71% | 11.68% | 8.06% | $3.66B |
| Q4 2023 | 11.03% | 11.03% | 12.05% | 8.26% | $3.66B |
| Q1 2024 | 10.88% | 10.88% | 11.91% | 8.20% | $3.68B |
| Q2 2024 | 11.18% | 11.18% | 12.23% | 8.40% | $3.69B |
| Q3 2024 | 11.14% | 11.14% | 12.23% | 8.36% | $3.69B |
| Q4 2024 | 11.43% | 11.43% | 12.55% | 8.54% | $3.71B |
| Q1 2025 | 11.48% | 11.48% | 12.52% | 8.48% | $3.71B |
| Q2 2025 | 11.71% | 11.71% | 12.73% | 8.62% | $3.76B |
| Q3 2025 | 11.98% | 11.98% | 13.01% | 8.66% | $3.73B |
| Q4 2025 | 12.30% | 12.30% | 13.35% | 8.74% | $3.75B |
| Q1 2026 | 12.36% | 12.36% | 13.38% | 8.66% | $3.79B |
| Q2 2026 | 12.34% | 12.34% | 13.38% | 9.01% | $3.93B |
The Canandaigua National Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Canandaigua National Bank and Trust Company, freeSource: Call Report Schedule RC-R, 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 The Canandaigua National Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6985) · FFIEC NIC profile (RSSD 161602)