Cayuga Lake National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.8% higher than in Q1 2026, at -$4.5M. Within New York, Cayuga Lake National Bank is 35th of 82 on CET1 ratio, 17.44% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Cayuga Lake National Bank sits 2.37 points higher, at 17.44% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.44% |
| Tier 1 risk-based capital ratio | 17.44% |
| Total risk-based capital ratio | 18.69% |
| Tier 1 leverage ratio | 9.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $26.2M |
| Tier 1 capital | $26.2M |
| Total risk-based capital | $28.1M |
| Total equity capital | $21.7M |
| Risk-weighted assets | $150.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.93% |
| Tangible equity to tangible assets | 7.93% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | 3.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $5.5M |
| Retained earnings | $19.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.48% | 15.48% | 16.73% | 9.41% | $159.6M |
| Q4 2023 | 15.48% | 15.48% | 16.74% | 9.14% | $161.9M |
| Q1 2024 | 15.38% | 15.38% | 16.63% | 8.72% | $163.8M |
| Q2 2024 | 15.05% | 15.05% | 16.31% | 8.86% | $166.8M |
| Q3 2024 | 15.74% | 15.74% | 16.99% | 8.83% | $161.0M |
| Q4 2024 | 16.01% | 16.01% | 17.26% | 9.12% | $161.2M |
| Q1 2025 | 17.13% | 17.13% | 18.39% | 9.26% | $153.0M |
| Q2 2025 | 17.73% | 17.73% | 18.99% | 9.44% | $150.6M |
| Q3 2025 | 18.24% | 18.24% | 19.49% | 9.70% | $149.6M |
| Q4 2025 | 17.42% | 17.42% | 18.68% | 9.35% | $149.9M |
| Q1 2026 | 17.22% | 17.22% | 18.47% | 9.22% | $151.2M |
| Q2 2026 | 17.44% | 17.44% | 18.69% | 9.30% | $150.2M |
Cayuga Lake National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cayuga Lake National Bank, freeSource: Call Report Schedule RC-R, 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 Cayuga Lake National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6954) · FFIEC NIC profile (RSSD 63201)