BlastPoint's Banking Scorecard
Cattaraugus County Bank
Micro
Specialty: Commercial
NY
FDIC cert 12959
Designations: ✓ Community bank
Little Valley, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Cattaraugus County Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$375.2M
+5.6% YoY
+2.3% QoQ
|
+$157.7M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$223.7M
-1.5% YoY
-0.4% QoQ
|
+$84.6M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$329.0M
+5.5% YoY
+1.9% QoQ
|
+$145.3M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.73%
+32.2% YoY
+56.0% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
4.26%
+10.0% YoY
+3.7% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
72.67%
-2.1% YoY
-1.8% QoQ
|
+4.95% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
1.32%
-15.9% YoY
-25.5% QoQ
|
+0.68% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
68.02%
-6.6% YoY
-2.2% QoQ
|
-6.51% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
29.44%
-0.8% YoY
-1.1% QoQ
|
+7.05% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.28%
-22.1% YoY
-16.4% QoQ
|
+0.83% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
14.91%
+1.1% YoY
+3.5% QoQ
|
+6.06% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.51%
+2.0% YoY
+27.3% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Total Deposits
Current: $329.0M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $375.2M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $223.7M · Tier avg: $139.2M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.44% · Tier avg: 22.39%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.91% · Tier avg: 8.85%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.02% · Tier avg: 74.53%
33
33th pctile
Efficiency Ratio
Current: 72.67% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 72.67% · Tier avg: 67.73%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.02% · Tier avg: 74.53%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.91% · Tier avg: 8.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.44% · Tier avg: 22.39%
80
80th pctile
Total Loans
Current: $223.7M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $375.2M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $329.0M · Tier avg: $183.7M