C
Cayuga Lake National Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Cayuga Lake National Bank
Union Springs, NY
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Rating C
Asset Quality Index 3.80
Capitalization Index 7.50
Liquidity Index 2.90
Profitability Index 3.40
Stability Index 4.00
Company Info Cayuga Lake National Bank
Union Springs, NY
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FDIC Number 6954
Phone Number (315) 889-7358
Website www.cayugalakenationalbank.com
Asset Quality Cayuga Lake National Bank
Union Springs, NY
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1-Year Asset Growth 2.02%
5-Year Asset Growth 9.24%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans -0.06%
Non-Performing Assets to Assets 1.32%
Non-Performing Loans to Capital 13.56%
Non-Performing Loans to Loans 2.17%
Balance Sheet Cayuga Lake National Bank
Union Springs, NY
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Total Assets 287.61M
Total Deposits 263.67M
Capital and Reserves Cayuga Lake National Bank
Union Springs, NY
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Capital 21.13M
Leverage Ratio 9.35
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio 18.72
Liquidity Cayuga Lake National Bank
Union Springs, NY
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Hot Money Ratio 10.80%
Liquidity Ratio 24.32%
Profitability Cayuga Lake National Bank
Union Springs, NY
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5-Year Return on Average Assets 0.63%
Net Income 1.84M
Net Interest Spread 2.93%
Operating Profit to Average Assets 0.73%
Overhead Efficiency Ratio 79.68%
Return on Assets 0.65%
Return on Equity 8.94%