Cattaraugus County Bank
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Data as of · sourced from FFIEC call reports. How we update
Cattaraugus County Bank is an FDIC-insured commercial bank headquartered in Little Valley, NY, established in 1902 (FDIC certificate 12959), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $384.7M, up 5.3% from Q2 2025, the 75th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 15.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12959
- Headquarters
- Little Valley, NY
- Established
- 1902
- Total assets, Q2 2026
- $384.7M
- Assets vs Q2 2025
- +5.3%
- CET1 ratio, Q2 2026
- 15.47%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 022307820
- Latest call report
- Q2 2026, FFIEC 051 · Cattaraugus County Bank call report
- Holding company
- C.C.BANCORP, INC.
- Asset rank in state
- 75th of 105 in New York
Cattaraugus County Bank, based in Little Valley, New York, reported $385 million in assets at June 30, 2026, up 5.3% from a year earlier. It shrank its loan book 4.3% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.15% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Its $31 million commercial and industrial book is improving, with 1.56% past due or on nonaccrual, down from 6.97% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 4.3% and deposits rose 5.6%. Profitability lags: it earns about $0.69 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Cattaraugus County Bank reported a CET1 capital ratio of 15.47%, a return on assets of 0.69%, a nonperforming-loan ratio of 1.73% and a Texas ratio of 9.19%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Cattaraugus County Bank is the 75th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $384.7M, loans fell 1.8% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.5%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in NY; its Little Valley office books 27% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cattaraugus County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 116 Main St, Little Valley, NY 14755
- County
- Cattaraugus
- Metro Area
- Olean, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $338.2M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $789K
- Average total assets
- $376.5M
- Average total loans
- $221.2M
- Average interest-bearing deposits
- $236.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12959
- Fed RSSD
- 254504
- SEC CIK
- 1892698 → filed by C.C.BANCORP, INC.
- Website
- www.countonccb.com →
- Parent Holding Company
- C.C.BANCORP, INC. (RSSD 3009714)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cattaraugus County Bank's total assets ranged from $355.2M (Q4 2024) to $384.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$384.7M total assets against $365.2M; $345.9M total liabilities against $329.2M.
$215.2M net loans and leases against $225.4M; $338.2M total deposits against $320.2M.
$104.7M securities against $88.7M; $43.6M cash and balances due against $29.9M.
$4.7M total interest income against $4.5M; $956K total interest expense against $974K.
$3.8M net interest income against $3.5M.
$518K total noninterest income against $498K; $3.1M total noninterest expense against $3.0M.
$400K provision for credit losses against $300K.
$649K net income against $577K.
0.69% return on assets against 0.65%; 4.23% net interest margin against 4.12%.
15.47% CET1 capital ratio against 14.45%; 11.26% tier 1 leverage ratio against 11.30%.
Inside the full Cattaraugus County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCattaraugus County Bank rankings
Its closest position to the top of a national ranking is 712 of 3,640, for Texas Ratio; its furthest is 3,035 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.16% (Q3 2025) to 1.50% (Q4 2025) and its net interest margin ran from 3.83% (Q4 2024) to 4.61% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 0.69% | 1.73% | 9.19% | 4.23% |
| Q1 2026 | 15.23% | 0.73% | 0.96% | 5.39% | 4.04% |
| Q4 2025 | 14.90% | 1.50% | 1.31% | 7.93% | 4.61% |
| Q3 2025 | 14.41% | 0.16% | 1.76% | 10.23% | 3.88% |
| Q2 2025 | 14.45% | 0.65% | 1.59% | 9.64% | 4.12% |
| Q1 2025 | 15.03% | 0.61% | 1.66% | 10.37% | 4.00% |
| Q4 2024 | 14.75% | 0.22% | 1.56% | 10.15% | 3.83% |
| Q3 2024 | 13.75% | 0.83% | 2.59% | 15.64% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cattaraugus County Bank (main office) | Little Valley , NY | 14755 | $91.5M |
| Springville Branch | Springville , NY | 14141 | $53.9M |
| South Dayton Branch | South Dayton , NY | 14138 | $43.8M |
| Lakewood Branch Office | Lakewood , NY | 14750 | $40.4M |
| Randolph Branch | Randolph , NY | 14772 | $37.6M |
| DunkirkFredonia Branch | Dunkirk , NY | 14048 | $36.4M |
| Salamanca Branch | Salamanca , NY | 14779 | $34.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 18, 1990 | Structure Change | Acquired Salamanca Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 17, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 116 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 52 loans originated, $14.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Cattaraugus County Bank
What are Cattaraugus County Bank's total assets?
As of the Q2 2026 filing, Cattaraugus County Bank reported total assets of $384.7 million in its FFIEC call report.
Where is Cattaraugus County Bank headquartered?
It is headquartered in Little Valley, NY, United States.
When was Cattaraugus County Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Cattaraugus County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cattaraugus County Bank?
Cattaraugus County Bank's primary federal regulator is the FDIC.
What is Cattaraugus County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cattaraugus County Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cattaraugus County Bank's Texas Ratio?
Its Texas Ratio is 9.19% in its Q2 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 non-performing assets against the bank's capital and reserves.
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