Cayuga Lake National 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): 9.45 percentage points higher than in Q1 2026, at 54.32%. Within New York, Cayuga Lake National Bank is 78th of 105 on loan-to-deposit ratio, 70.35% 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. Cayuga Lake National Bank sits 10.49 points lower, at 70.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $175.2M |
| Net loans and leases | $173.1M |
| Loans held for sale | $2.1M |
| Loans to total assets | 64.01% |
| Loan-to-deposit ratio | 70.35% |
| Net loans to equity capital | 7.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.39% |
| Multifamily (5+ residential) | 1.50% |
| Commercial and industrial | 9.05% |
| Consumer | 3.85% |
| Credit cards | 0.17% |
| Farm | 0.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.32% |
| Construction concentration (Tier 1 capital + allowance) | 2.67% |
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 | 5.29% |
| Interest income on loans | $2.3M |
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 | $180.0M | $250.2M | 16.97% | 11.30% | 5.26% |
| Q4 2023 | $187.6M | $262.7M | 18.17% | 10.58% | 5.25% |
| Q1 2024 | $190.1M | $259.9M | 17.91% | 12.00% | 5.00% |
| Q2 2024 | $191.5M | $259.7M | 17.91% | 11.21% | 4.98% |
| Q3 2024 | $190.5M | $249.3M | 16.90% | 11.75% | 4.85% |
| Q4 2024 | $189.2M | $256.7M | 16.96% | 11.46% | 4.55% |
| Q1 2025 | $181.2M | $256.9M | 15.84% | 10.15% | 4.51% |
| Q2 2025 | $178.8M | $252.2M | 15.99% | 9.90% | 4.48% |
| Q3 2025 | $175.2M | $249.1M | 15.91% | 9.45% | 4.32% |
| Q4 2025 | $175.7M | $263.7M | 17.01% | 8.99% | 4.10% |
| Q1 2026 | $175.7M | $257.3M | 17.62% | 9.47% | 3.92% |
| Q2 2026 | $175.2M | $249.1M | 17.39% | 9.05% | 3.85% |
Cayuga Lake National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cayuga Lake National 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 Cayuga Lake National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6954) · FFIEC NIC profile (RSSD 63201)