C
The Canandaigua National Bank and Trust Company
Rating Date
August 2024
Risk Based
Capital Ratio
12.23
Leverage
Ratio
8.36
Return On
Assets
0.91%
Total
Assets
4.95B
Capital
398.09M
Total
Deposits
3.72B
Net
Income
33.55M
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Weiss Ratings The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Rating C
Asset Quality Index 4.90
Capitalization Index 6.00
Liquidity Index 1.40
Profitability Index 4.50
Stability Index 7.40
Company Info The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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FDIC Number 6985
Phone Number (585) 394-4260
Website www.cnbank.com
Asset Quality The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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1-Year Asset Growth 0.62%
5-Year Asset Growth 14.22%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 0.91%
Non-Performing Loans to Capital 8.72%
Non-Performing Loans to Loans 1.19%
Balance Sheet The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Total Assets 4.95B
Total Deposits 3.72B
Capital and Reserves The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Capital 398.09M
Leverage Ratio 8.36
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 12.23
Liquidity The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Hot Money Ratio 21.63%
Liquidity Ratio 6.69%
Profitability The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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5-Year Return on Average Assets 1.15%
Net Income 33.55M
Net Interest Spread 2.87%
Operating Profit to Average Assets 1.18%
Overhead Efficiency Ratio 65.00%
Return on Assets 0.91%
Return on Equity 11.61%