Cayuga Lake National Bank
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Data as of · sourced from FFIEC call reports. How we update
Cayuga Lake National Bank is an FDIC-insured commercial bank headquartered in Union Springs, NY, established in 1864 (FDIC certificate 6954), and it is supervised by the OCC. At Q2 2026 it reported total assets of $273.7M, down 0.9% from Q2 2025, the 86th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6954
- Headquarters
- Union Springs, NY
- Established
- 1864
- Total assets, Q2 2026
- $273.7M
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 17.44%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 021306547
- Latest call report
- Q2 2026, FFIEC 051 · Cayuga Lake National Bank call report
- Holding company
- CAYUGA LAKE BANK CORPORATION
- Asset rank in state
- 86th of 105 in New York
Problem loans are rising at Cayuga Lake National Bank. It reported $274 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.46% of loans from 1.57% a year earlier. It carries problem assets equal to 18.0% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.0 million equal 23% of Tier 1 capital, down from 36% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Cayuga Lake National Bank reported a CET1 capital ratio of 17.44%, a return on assets of 0.67%, a nonperforming-loan ratio of 2.46% and a Texas ratio of 18.03%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cayuga Lake National Bank is the 86th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets fell 2.6% to $273.7M, loans fell 0.3% and deposits fell 3.2%. 1-4 family residential loans made up 66.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 10.5%. Its 3 offices in the FDIC Summary of Deposits are in Union Springs, NY, Aurora, NY and Lansing, NY; its Union Springs office books 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cayuga Lake National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 165 Cayuga St, Union Springs, NY 13160
- County
- Cayuga
- Metro Area
- Auburn, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1864
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $249.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $281.5M
- Average total loans
- $175.0M
- Average interest-bearing deposits
- $191.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6954
- Fed RSSD
- 63201
- SEC CIK
- 826502 → filed by CAYUGA LAKE BANK CORPORATION
- Website
- www.cayugalakenationalbank.com →
- Parent Holding Company
- CAYUGA LAKE BANK CORPORATION (RSSD 1249075)
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, Cayuga Lake National Bank's total assets ranged from $272.1M (Q3 2023) to $289.7M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$273.7M total assets against $276.1M; $252.0M total liabilities against $256.1M.
$173.1M net loans and leases against $176.3M; $249.1M total deposits against $252.2M.
$81.8M securities against $78.4M; $10.2M cash and balances due against $12.1M.
$3.0M total interest income against $3.1M; $970K total interest expense against $1.2M.
$2.0M net interest income against $1.9M.
$226K total noninterest income against $206K; $1.9M total noninterest expense against $1.6M.
-$155K provision for credit losses against -$46K.
$473K net income against $493K.
0.67% return on assets against 0.70%; 3.07% net interest margin against 2.88%.
17.44% CET1 capital ratio against 17.73%; 9.30% tier 1 leverage ratio against 9.44%.
Inside the full Cayuga Lake National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCayuga Lake National Bank rankings
Its closest position to the top of a national ranking is 217 of 3,640, for Texas Ratio; its furthest is 3,241 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.30% (Q3 2024) to 0.81% (Q3 2025) and its net interest margin ran from 2.60% (Q3 2024) to 3.09% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.44% | 0.67% | 2.46% | 18.03% | 3.07% |
| Q1 2026 | 17.22% | 0.52% | 2.47% | 18.61% | 3.05% |
| Q4 2025 | 17.42% | 0.50% | 2.20% | 16.44% | 3.09% |
| Q3 2025 | 18.24% | 0.81% | 2.28% | 16.53% | 2.96% |
| Q2 2025 | 17.73% | 0.70% | 1.57% | 12.47% | 2.88% |
| Q1 2025 | 17.13% | 0.59% | 1.47% | 11.82% | 2.78% |
| Q4 2024 | 16.01% | 0.67% | 2.89% | 24.80% | 2.93% |
| Q3 2024 | 15.74% | 0.30% | 1.42% | 11.76% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Cayuga Lake National Bank (main office) | Union Springs , NY | 13160 | $174.1M |
| Aurora Drive Thru Branch | Aurora , NY | 13026 | $39.8M |
| Lansing Branch | Lansing , NY | 14882 | $35.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action December 3, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 124 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $693K approved, $173K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Cayuga Lake National Bank
What are Cayuga Lake National Bank's total assets?
As of the Q2 2026 filing, Cayuga Lake National Bank reported total assets of $273.7 million in its FFIEC call report.
Where is Cayuga Lake National Bank headquartered?
It is headquartered in Union Springs, NY, United States.
When was Cayuga Lake National Bank founded?
It was established in 1864, per the FDIC institution directory.
Is Cayuga Lake National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cayuga Lake National Bank?
Cayuga Lake National Bank's primary federal regulator is the OCC.
What is Cayuga Lake National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cayuga Lake National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cayuga Lake National Bank's Texas Ratio?
Its Texas Ratio is 18.03% 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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