The Canandaigua National Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Canandaigua National Bank and Trust Company of Canandaigua, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.46% | -0.25% | 45th below |
| ROAE | 13.88% | 12.71% | +1.17% | 62nd above |
| Net Interest Margin | 3.52% | 3.85% | -0.33% | 36th below |
| Efficiency Ratio | 59.99% | 57.40% | +2.59% | 45th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.81% | 1.88% | -0.07% | 57th above |
| Yield on Earning Assets | 5.46% | 5.72% | -0.26% | 46th below |
| Cost of Funds | 2.09% | 2.02% | +0.07% | 45th below |
| Net Interest Spread | 2.93% | 3.18% | -0.25% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.11% | 1.00% | +0.11% | 29th below |
| NPA / Total Assets | 0.84% | 0.76% | +0.08% | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 36th below |
| ACL / Total Loans | 0.94% | 1.31% | -0.37% | 23rd bottom |
| ACL / NPLs (Coverage) | 85.21% | 544.33% | -459.12% | 23rd bottom |
| Texas Ratio | 9.22% | 7.39% | +1.83% | 26th below |
| Provision / NCO | 152.58% | 619.76% | -467.18% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.34% | 17.35% | -5.01% | 30th below |
| Tier 1 Ratio | 12.34% | 17.38% | -5.04% | 30th below |
| Total Capital Ratio | 13.38% | 18.43% | -5.05% | 30th below |
| Leverage Ratio | 9.01% | 11.44% | -2.43% | 11th bottom |
| Equity / Assets | 8.87% | 11.34% | -2.47% | 20th bottom |
| TCE / Tangible Assets | 8.72% | 10.50% | -1.78% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.73% | 86.95% | +2.78% | 47th below |
| Core Deposit Ratio | 76.42% | 85.57% | -9.15% | 15th bottom |
| Uninsured Deposit Ratio | 33.80% | 33.12% | +0.68% | 42nd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.55% | 5.70% | -0.15% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.38% | 9.69% | -5.31% | 45th below |
| Loan Growth (Y/Y) | 4.81% | 8.06% | -3.25% | 45th below |
| Deposit Growth (Y/Y) | 9.12% | 7.87% | +1.25% | 72nd above |
See The Canandaigua National Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Canandaigua National Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Canandaigua National Bank and Trust Company profile, how to read a UBPR, or how this data updates.