C
The Canandaigua National Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
13.01
Leverage
Ratio
8.66
Return On
Assets
1.19%
Total
Assets
5.26B
Capital
441.52M
Total
Deposits
4.24B
Net
Income
45.36M
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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 4.20
Capitalization Index 6.40
Liquidity Index 1.80
Profitability Index 5.60
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 6.19%
5-Year Asset Growth 13.66%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 0.94%
Non-Performing Loans to Capital 8.65%
Non-Performing Loans to Loans 1.25%
Balance Sheet The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Total Assets 5.26B
Total Deposits 4.24B
Capital and Reserves The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Capital 441.52M
Leverage Ratio 8.66
Loan Loss Reserves to Loans 0.95%
Risk-Based Capital Ratio 13.01
Liquidity The Canandaigua National Bank and Trust Company
Canandaigua, NY 		Click to
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Hot Money Ratio 24.61%
Liquidity Ratio 11.13%
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 45.36M
Net Interest Spread 3.30%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 59.47%
Return on Assets 1.19%
Return on Equity 14.27%