Cattaraugus County Bank: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.57 percentage points lower than in Q1 2026, at 174.16%. Within New York, Cattaraugus County Bank is 86th of 105 on loan-to-deposit ratio, 64.23% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cattaraugus County Bank sits 16.61 points lower, at 64.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $217.2M |
| Net loans and leases | $215.2M |
| Loans held for sale | $0 |
| Loans to total assets | 56.46% |
| Loan-to-deposit ratio | 64.23% |
| Net loans to equity capital | 5.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.87% |
| Multifamily (5+ residential) | 7.79% |
| Commercial and industrial | 14.15% |
| Consumer | 1.33% |
| Credit cards | 0.00% |
| Farm | 0.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.16% |
| Construction concentration (Tier 1 capital + allowance) | 6.74% |
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 | 6.28% |
| Interest income on loans | $3.5M |
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 | $225.8M | $326.1M | 44.70% | 12.32% | 1.09% |
| Q4 2023 | $234.9M | $325.4M | 45.18% | 11.91% | 1.19% |
| Q1 2024 | $235.7M | $334.8M | 45.60% | 12.18% | 1.14% |
| Q2 2024 | $233.1M | $321.5M | 45.09% | 13.97% | 1.31% |
| Q3 2024 | $232.2M | $317.5M | 44.82% | 15.25% | 1.35% |
| Q4 2024 | $228.7M | $311.8M | 44.19% | 14.82% | 1.32% |
| Q1 2025 | $226.7M | $316.9M | 44.12% | 15.71% | 1.25% |
| Q2 2025 | $226.8M | $320.2M | 43.89% | 14.88% | 1.27% |
| Q3 2025 | $226.9M | $322.9M | 42.55% | 14.42% | 1.28% |
| Q4 2025 | $226.0M | $329.0M | 42.42% | 14.86% | 1.35% |
| Q1 2026 | $221.1M | $333.5M | 43.15% | 14.01% | 1.41% |
| Q2 2026 | $217.2M | $338.2M | 42.87% | 14.15% | 1.33% |
Cattaraugus County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cattaraugus County Bank, 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 Cattaraugus County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12959) · FFIEC NIC profile (RSSD 254504)