Cattaraugus County Bank: 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.
Reserve coverage of non-performing loans dropped 22.53 percentage points in Q2 2026, from 76.93% to 54.40%. It was the largest change from Q1 2026 among the key lines here. Within New York, Cattaraugus County Bank is 75th of 105 on return on assets, 0.69% as of Q2 2026, below the middle of the field. Cattaraugus County Bank reported 0.69% on return on assets for Q2 2026, 0.56 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.43% |
| Tier 1 leverage ratio | 11.26% |
| Equity capital to assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.73% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 9.19% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 54.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 6.78% |
| Net interest margin | 4.23% |
| Efficiency ratio | 72.48% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.23% |
| Core deposits to total deposits | 90.17% |
| Brokered deposits to total deposits | 4.49% |
| Deposits to assets | 87.90% |
| Securities to assets | 27.22% |
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 | 13.80% | 13.80% | 14.77% | 10.78% | 0.97% |
| Q4 2023 | 13.57% | 13.57% | 14.82% | 10.45% | 0.52% |
| Q1 2024 | 14.15% | 14.15% | 15.40% | 10.38% | 0.53% |
| Q2 2024 | 13.68% | 13.68% | 14.93% | 10.61% | 0.64% |
| Q3 2024 | 13.75% | 13.75% | 15.00% | 10.92% | 0.83% |
| Q4 2024 | 14.75% | 14.75% | 15.66% | 11.02% | 0.22% |
| Q1 2025 | 15.03% | 15.03% | 16.06% | 11.24% | 0.61% |
| Q2 2025 | 14.45% | 14.45% | 15.17% | 11.30% | 0.65% |
| Q3 2025 | 14.41% | 14.41% | 15.44% | 10.99% | 0.16% |
| Q4 2025 | 14.90% | 14.90% | 15.94% | 11.15% | 1.50% |
| Q1 2026 | 15.23% | 15.23% | 16.04% | 11.07% | 0.73% |
| Q2 2026 | 15.47% | 15.47% | 16.43% | 11.26% | 0.69% |
Cattaraugus County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cattaraugus County Bank, 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 Cattaraugus County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12959) · FFIEC NIC profile (RSSD 254504)