C
The Canandaigua National Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
13.35
Leverage
Ratio
8.74
Return On
Assets
1.16%
Total
Assets
5.32B
Capital
457.96M
Total
Deposits
4.38B
Net
Income
59.89M
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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 4.30
Capitalization Index 6.50
Liquidity Index 1.90
Profitability Index 5.50
Stability Index 7.70
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 5.32%
5-Year Asset Growth 9.27%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.30%
Non-Performing Assets to Assets 0.84%
Non-Performing Loans to Capital 8.16%
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 5.32B
Total Deposits 4.38B
Capital and Reserves The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Capital 457.96M
Leverage Ratio 8.74
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 13.35
Liquidity The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Hot Money Ratio 22.46%
Liquidity Ratio 14.41%
Profitability The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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5-Year Return on Average Assets 1.06%
Net Income 59.89M
Net Interest Spread 3.34%
Operating Profit to Average Assets 1.53%
Overhead Efficiency Ratio 60.32%
Return on Assets 1.16%
Return on Equity 13.92%