Cattaraugus County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cattaraugus County Bank of Little Valley, NY against its peer group of 2672 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 | 0.69% | 1.34% | -0.65% | 19th bottom |
| ROAE | 6.78% | 13.32% | -6.54% | 20th bottom |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 72.48% | 61.14% | +11.34% | 23rd bottom |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 32nd below |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 1.15% | 1.88% | -0.73% | 87th top |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.73% | 0.94% | +0.79% | 15th bottom |
| NPA / Total Assets | 0.97% | 0.70% | +0.27% | 21st bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) | 54.40% | 1539.28% | -1484.88% | 12th bottom |
| Texas Ratio | 9.19% | 7.33% | +1.86% | 24th bottom |
| Provision / NCO | 70.09% | 1396.24% | -1326.15% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 19.50% | -4.03% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 19.54% | -4.07% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.43% | 20.62% | -4.19% | 51st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.26% | 12.14% | -0.88% | 55th above |
| Equity / Assets | 10.07% | 11.37% | -1.30% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.07% | 11.09% | -1.02% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.23% | 80.64% | -16.41% | 78th top |
| Core Deposit Ratio | 90.17% | 86.86% | +3.31% | 56th above |
| Wholesale Funding Ratio | 0.54% | 5.04% | -4.50% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 6.85% | -1.51% | 57th above |
| Loan Growth (Y/Y) | -4.25% | 7.91% | -12.16% | 9th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.60% | 6.29% | -0.69% | 61st above |
See Cattaraugus County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cattaraugus County Bank, 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 Cattaraugus County Bank profile, how to read a UBPR, or how this data updates.