Canandaigua National Trust Company of Florida: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in CET1 capital ratio: 4.52 percentage points higher than in Q1 2026, at 223.72%. Against a median of 0.98% for banks in the < $100M asset tier, Canandaigua National Trust Company of Florida reported 13.46% on return on assets in Q2 2026, 12.48 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 223.72% |
| Tier 1 risk-based capital ratio | 223.72% |
| Total risk-based capital ratio | 223.72% |
| Tier 1 leverage ratio | 81.89% |
| Equity capital to assets | 77.45% |
| Tangible equity to tangible assets | 77.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 13.46% |
| Return on equity | 16.79% |
| Net interest margin | 0.98% |
| Efficiency ratio | 62.89% |
| Yield on earning assets | 0.98% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | 8.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 339.95% | 339.95% | 339.95% | 90.87% | 8.20% |
| Q4 2023 | 329.51% | 329.51% | 329.51% | 92.11% | 11.11% |
| Q1 2024 | 463.37% | 463.37% | 463.37% | 95.39% | 9.43% |
| Q2 2024 | 481.57% | 481.57% | 481.57% | 102.39% | 19.62% |
| Q3 2024 | 461.10% | 461.10% | 461.10% | 100.40% | 10.37% |
| Q4 2024 | 206.82% | 206.82% | 206.82% | 89.97% | 10.27% |
| Q1 2025 | 215.02% | 215.02% | 215.02% | 79.94% | 8.01% |
| Q2 2025 | 191.15% | 191.15% | 191.15% | 73.74% | 12.96% |
| Q3 2025 | 195.27% | 195.27% | 195.27% | 78.72% | 11.55% |
| Q4 2025 | 207.27% | 207.27% | 207.27% | 79.89% | 13.78% |
| Q1 2026 | 219.20% | 219.20% | 219.20% | 80.82% | 14.26% |
| Q2 2026 | 223.72% | 223.72% | 223.72% | 81.89% | 13.46% |
Canandaigua National Trust Company of Florida vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Canandaigua National Trust Company of Florida, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Canandaigua National Trust Company of Florida profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3952904)