Cayuga Lake National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cayuga Lake National Bank of Union Springs, 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 | 0.67% | 1.34% | -0.67% | 18th bottom |
| ROAE | 8.88% | 13.32% | -4.44% | 30th below |
| Net Interest Margin | 3.07% | 3.93% | -0.86% | 12th bottom |
| Efficiency Ratio | 79.96% | 61.13% | +18.83% | 14th bottom |
| PPNR / Avg Assets | 0.55% | 1.68% | -1.13% | 9th bottom |
| Yield on Earning Assets | 4.48% | 5.67% | -1.19% | 8th bottom |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 2.47% | 3.32% | -0.85% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.52% | 0.94% | +1.58% | 9th bottom |
| NPA / Total Assets | 1.61% | 0.70% | +0.91% | 11th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 18th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 48.91% | 1539.10% | -1490.19% | 10th bottom |
| Texas Ratio | 18.74% | 7.33% | +11.41% | 9th bottom |
| Provision / NCO | -358.82% | 1396.20% | -1755.02% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.44% | 19.50% | -2.06% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.44% | 19.54% | -2.10% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.69% | 20.62% | -1.93% | 66th above |
| Leverage Ratio | 9.30% | 12.14% | -2.84% | 18th bottom |
| Equity / Assets | 7.93% | 11.38% | -3.45% | 13th bottom |
| TCE / Tangible Assets | 7.93% | 11.09% | -3.16% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.35% | 80.64% | -10.29% | 70th above |
| Core Deposit Ratio | 93.15% | 86.86% | +6.29% | 75th top |
| Wholesale Funding Ratio | 0.81% | 5.03% | -4.22% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.86% | 6.85% | -7.71% | 15th bottom |
| Loan Growth (Y/Y) | -2.02% | 7.91% | -9.93% | 15th bottom |
| Deposit Growth (Y/Y) | -1.25% | 6.29% | -7.54% | 17th bottom |
See Cayuga Lake National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cayuga Lake National 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 Cayuga Lake National Bank profile, how to read a UBPR, or how this data updates.