C
The Canandaigua National Bank and Trust Company
Rating Date
April 2025
Risk Based
Capital Ratio
12.55
Leverage
Ratio
8.54
Return On
Assets
0.95%
Total
Assets
5.05B
Capital
408.78M
Total
Deposits
4.01B
Net
Income
46.74M
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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 4.10
Capitalization Index 5.90
Liquidity Index 1.90
Profitability Index 4.60
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 3.57%
5-Year Asset Growth 13.66%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.14%
Non-Performing Assets to Assets 0.91%
Non-Performing Loans to Capital 9.68%
Non-Performing Loans to Loans 1.20%
Balance Sheet The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Total Assets 5.05B
Total Deposits 4.01B
Capital and Reserves The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Capital 408.78M
Leverage Ratio 8.54
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 12.55
Liquidity The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Hot Money Ratio 22.23%
Liquidity Ratio 12.12%
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 46.74M
Net Interest Spread 2.95%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 64.01%
Return on Assets 0.95%
Return on Equity 11.99%