The Canandaigua National Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 3.88 percentage points in Q2 2026, from 30.59% to 34.47%. It was the largest change from Q1 2026 among the key lines here. Within New York, The Canandaigua National Bank and Trust Company is 43rd of 105 on loan-to-deposit ratio, 89.73% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Canandaigua National Bank and Trust Company reported 89.73% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.09B |
| Net loans and leases | $4.05B |
| Loans held for sale | $9.2M |
| Loans to total assets | 75.61% |
| Loan-to-deposit ratio | 89.73% |
| Net loans to equity capital | 8.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.23% |
| Multifamily (5+ residential) | 8.34% |
| Commercial and industrial | 10.90% |
| Consumer | 19.13% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.68% |
| Construction concentration (Tier 1 capital + allowance) | 34.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $62.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.72B | $3.66B | 22.89% | 10.23% | 25.33% |
| Q4 2023 | $3.71B | $3.60B | 22.44% | 10.50% | 24.33% |
| Q1 2024 | $3.71B | $3.73B | 22.74% | 10.74% | 23.42% |
| Q2 2024 | $3.75B | $3.71B | 22.98% | 10.66% | 22.14% |
| Q3 2024 | $3.76B | $3.72B | 23.72% | 10.97% | 20.97% |
| Q4 2024 | $3.81B | $4.01B | 23.41% | 10.91% | 20.57% |
| Q1 2025 | $3.80B | $4.16B | 23.36% | 10.22% | 20.23% |
| Q2 2025 | $3.90B | $4.17B | 23.49% | 10.56% | 19.36% |
| Q3 2025 | $3.89B | $4.24B | 23.84% | 10.38% | 18.70% |
| Q4 2025 | $3.93B | $4.38B | 23.74% | 10.43% | 18.83% |
| Q1 2026 | $3.98B | $4.52B | 23.61% | 11.01% | 18.92% |
| Q2 2026 | $4.09B | $4.56B | 24.23% | 10.90% | 19.13% |
The Canandaigua National Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Canandaigua National Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)