C
The Canandaigua National Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
13.38
Leverage
Ratio
9.01
Return On
Assets
1.27%
Total
Assets
5.41B
Capital
479.50M
Total
Deposits
4.56B
Net
Income
34.35M
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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 4.60
Capitalization Index 6.80
Liquidity Index 1.50
Profitability Index 5.70
Stability Index 7.60
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 4.38%
5-Year Asset Growth 9.27%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.84%
Non-Performing Loans to Capital 7.73%
Non-Performing Loans to Loans 1.11%
Balance Sheet The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Total Assets 5.41B
Total Deposits 4.56B
Capital and Reserves The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Capital 479.50M
Leverage Ratio 9.01
Loan Loss Reserves to Loans 0.94%
Risk-Based Capital Ratio 13.38
Liquidity The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Hot Money Ratio 21.79%
Liquidity Ratio 13.09%
Profitability The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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5-Year Return on Average Assets 1.05%
Net Income 34.35M
Net Interest Spread 3.48%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 59.17%
Return on Assets 1.27%
Return on Equity 14.74%