Canandaigua National Trust Company of Florida
Canandaigua National Trust Company of Florida is an FDIC-insured bank headquartered in Sarasota, FL, with $6.9M in total assets at Q3 2026, up 13.9% from Q3 2025.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Sarasota, FL
- Established
- Not reported
- Total assets, Q3 2026
- $6.9M
- Assets vs Q3 2025
- +13.9%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 063116724
- Latest call report
- Q3 2026, FFIEC 051 · Canandaigua National Trust Company of Florida call report
- Holding company
- CANANDAIGUA NATIONAL CORPORATION
Canandaigua National Trust Company of Florida is one of the more profitable banks of its size. Its balance sheet stood at $6.9 million at September 30, 2026, up 13.9% from a year earlier; it is based in Sarasota, Florida. It returns 22.5% a year on shareholders' equity, 2.6 times the median of 8.8% for the 526 banks with less than $100 million in assets. On the other hand, it keeps 1.01 cents of net interest income on every dollar of earning assets, a small fraction of the median of 3.99 cents for banks its size. Much of that comes from cost control: it spends about 56 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $292,000, 80% above the same quarter a year earlier.
As of September 30, 2026, Canandaigua National Trust Company of Florida reported a CET1 capital ratio of 229.85%, a return on assets of 18.32% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
From Q2 2026 to Q3 2026, its total assets rose 6.1% to $6.9M. Judged on its Q3 2026 call report, Canandaigua National Trust Company of Florida meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- North Port-Bradenton-Sarasota, FL
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 3
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $6.4M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 3952904
- SEC CIK
- 759458 → filed by CANANDAIGUA NATIONAL CORPORATION
- Parent Holding Company
- CANANDAIGUA NATIONAL CORPORATION (RSSD 1133503)
Asset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Canandaigua National Trust Company of Florida's total assets ranged from $4.6M (Q1 2024) to $6.9M (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$6.9M total assets against $6.1M; $1.6M total liabilities against $1.6M.
$0 net loans and leases against $0; $0 total deposits against $0.
$530K securities against $529K; $4.8M cash and balances due against $3.9M.
$13K total interest income against $12K; $0 total interest expense against $0.
$13K net interest income against $12K.
$903K total noninterest income against $761K; $514K total noninterest expense against $540K.
No provision recorded in the last 12 quarters.
$292K net income against $162K.
18.32% return on assets against 11.55%; 1.01% net interest margin against 1.13%.
229.85% CET1 capital ratio against 195.27%; 83.55% tier 1 leverage ratio against 78.72%.
Inside the full Canandaigua National Trust Company of Florida terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 8.01% (Q1 2025) to 18.32% (Q3 2026) and its net interest margin ran from 0.98% (Q2 2026) to 1.21% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 229.85% | 18.32% | — | 0.00% | 1.01% |
| Q2 2026 | 223.72% | 13.46% | — | 0.00% | 0.98% |
| Q1 2026 | 219.20% | 14.26% | — | 0.00% | 1.03% |
| Q4 2025 | 207.27% | 13.78% | — | 0.00% | 1.05% |
| Q3 2025 | 195.27% | 11.55% | — | 0.00% | 1.13% |
| Q2 2025 | 191.15% | 12.96% | — | 0.00% | 1.21% |
| Q1 2025 | 215.02% | 8.01% | — | 0.00% | 1.07% |
| Q4 2024 | 206.82% | 10.27% | — | 0.00% | 1.16% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, 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 Canandaigua National Trust Company of Florida
What are Canandaigua National Trust Company of Florida's total assets?
As of the Q3 2026 filing, Canandaigua National Trust Company of Florida reported total assets of $6.9 million in its FFIEC call report.
Where is Canandaigua National Trust Company of Florida headquartered?
It is headquartered in Sarasota, FL, United States.
What is Canandaigua National Trust Company of Florida's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 229.85% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Canandaigua National Trust Company of Florida's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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