BlastPoint's Banking Scorecard
The Canandaigua National Bank and Trust Company
Mid-Market
Specialty: Commercial
NY
FDIC cert 6985
Designations: ✓ Community bank
Canandaigua, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
The Canandaigua National Bank and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 62% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.3B
+5.3% YoY
+1.1% QoQ
|
-$5.1B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$3.9B
+3.1% YoY
+0.9% QoQ
|
-$3.2B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$4.4B
+9.3% YoY
+3.4% QoQ
|
-$4.2B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.15%
+22.2% YoY
-1.6% QoQ
|
-0.01% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.33%
+12.8% YoY
+1.6% QoQ
|
-0.06% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
60.32%
-5.8% YoY
+1.4% QoQ
|
+3.72% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.94%
-14.5% YoY
-13.9% QoQ
|
+0.25% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
88.69%
-5.6% YoY
-2.3% QoQ
|
+3.22% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
19.56%
-11.3% YoY
-5.8% QoQ
|
-1.08% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.70%
-14.4% YoY
-14.0% QoQ
|
+0.20% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.30%
+7.6% YoY
+2.7% QoQ
|
-1.25% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
1.03%
-1.8% YoY
+32.9% QoQ
|
+0.07% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#6 of 9 · Bottom 62% in Mid-Market
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
19.56%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
78
78th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.96%
48
48th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
46
46th pctile
Loan-to-Deposit Ratio
Current: 88.69% · Tier avg: 85.47%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.56% · Tier avg: 20.64%
40
40th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.40%
38
38th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 13.55%
35
35th pctile
Efficiency Ratio
Current: 60.32% · Tier avg: 56.60%
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.68%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
14
14th pctile
Total Loans
Current: $3.9B · Tier avg: $7.1B
8
8th pctile
Total Deposits
Current: $4.4B · Tier avg: $8.5B
5
5th pctile
Total Assets
Current: $5.3B · Tier avg: $10.5B
Top Weaknesses
5
5th pctile
Total Assets
Current: $5.3B · Tier avg: $10.5B
8
8th pctile
Total Deposits
Current: $4.4B · Tier avg: $8.5B
14
14th pctile
Total Loans
Current: $3.9B · Tier avg: $7.1B
26
26th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.68%
35
35th pctile
Efficiency Ratio
Current: 60.32% · Tier avg: 56.60%
38
38th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 13.55%
40
40th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.40%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.56% · Tier avg: 20.64%
46
46th pctile
Loan-to-Deposit Ratio
Current: 88.69% · Tier avg: 85.47%
48
48th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
78
78th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.96%