BlastPoint's Banking Scorecard
Bank of Cattaraugus
Micro
Specialty: Commercial
NY
FDIC cert 9406
Designations: ✓ Community bank
Cattaraugus, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
Bank of Cattaraugus demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.37% above tier
- + Non-Interest-Bearing Deposit Share 20.47% above tier
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 ? |
$27.3M
+4.5% YoY
-15.4% QoQ
|
-$190.2M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$16.8M
+4.1% YoY
-0.3% QoQ
|
-$122.4M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$23.9M
+4.6% YoY
-17.1% QoQ
|
-$159.7M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.82%
-3.0% YoY
-27.1% QoQ
|
-0.27% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
6.22%
+8.6% YoY
+3.4% QoQ
|
+2.37% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
84.99%
+2.3% YoY
+8.5% QoQ
|
+17.27% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.82%
+9.7% YoY
-45.3% QoQ
|
+0.18% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
70.10%
-0.4% YoY
+20.4% QoQ
|
-4.42% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
42.86%
+4.2% YoY
+3.2% QoQ
|
+20.47% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.71%
+5.0% YoY
-25.7% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
17.38%
+3.6% YoY
+0.2% QoQ
|
+8.53% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.35%
+1.0% YoY
+58.1% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.22%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.86%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Net Interest Margin
Current: 6.22% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.86% · Tier avg: 22.39%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 8.85%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.10% · Tier avg: 74.53%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
14
14th pctile
Efficiency Ratio
Current: 84.99% · Tier avg: 67.73%
6
6th pctile
Total Loans
Current: $16.8M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $23.9M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $27.3M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $27.3M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $23.9M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $16.8M · Tier avg: $139.2M
14
14th pctile
Efficiency Ratio
Current: 84.99% · Tier avg: 67.73%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.10% · Tier avg: 74.53%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 8.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.86% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.22% · Tier avg: 3.85%