The Canandaigua National Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 46.6% lower than in Q1 2026, at $204.3M. The Canandaigua National Bank and Trust Company ranks 43rd of 105 New York banks on loan-to-deposit ratio, in the upper half at 89.73% (Q2 2026). At 89.73%, The Canandaigua National Bank and Trust Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $204.3M |
| Cash and noninterest-bearing balances to assets | 3.77% |
| Cash and securities | $1.20B |
| Fed funds sold and reverse repos | $277K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $300.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.73% |
| Net loans and leases to deposits | 88.88% |
| Loans and leases to core deposits | 104.64% |
| Core deposits to total deposits | 76.42% |
| Brokered deposits to total deposits | 9.33% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 101.52% | 84.72% | $8.3M | $800.0M |
| Q4 2023 | 102.96% | 84.89% | $10.8M | $800.0M |
| Q1 2024 | 99.51% | 82.03% | $0 | $750.0M |
| Q2 2024 | 101.05% | 83.15% | $0 | $750.0M |
| Q3 2024 | 100.94% | 84.15% | $0 | $750.0M |
| Q4 2024 | 94.98% | 80.32% | $0 | $550.0M |
| Q1 2025 | 91.33% | 76.64% | $0 | $500.0M |
| Q2 2025 | 93.42% | 78.63% | $0 | $500.0M |
| Q3 2025 | 91.68% | 79.36% | $0 | $500.0M |
| Q4 2025 | 89.54% | 75.86% | $0 | $400.0M |
| Q1 2026 | 88.01% | 74.90% | $0 | $400.0M |
| Q2 2026 | 89.73% | 76.42% | $0 | $300.0M |
The Canandaigua National Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Canandaigua National Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)