The Canandaigua National Bank and Trust Company

What sets The Canandaigua National Bank and Trust Company apart

How large is The Canandaigua National Bank and Trust Company?

The balance sheet of The Canandaigua National Bank and Trust Company at Q2 2026: assets $5.4 bn, deposits $4.6 bn, net loans $4.0 bn (loans equal to 88.88% of deposits). Securities make up 18.5% of total assets at The Canandaigua National Bank and Trust Company. Since Q1 2016, when The Canandaigua National Bank and Trust Company held $2.3 bn, its assets grew 136.6%. In the year to Q2 2026, deposits at The Canandaigua National Bank and Trust Company rose 9.1% while its total assets rose 4.4%. At Q2 2026, The Canandaigua National Bank and Trust Company employed 647 full-time equivalent staff across 26 offices, about $8.4 mn of assets per employee and $175.2 mn of deposits per office.

How much funding at The Canandaigua National Bank and Trust Company is uninsured?

At The Canandaigua National Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 33.80% of domestic deposits at Q2 2026 (-0.31 pp on a year earlier); The Canandaigua National Bank and Trust Company ranks 263rd of 500 on this measure. In dollars, The Canandaigua National Bank and Trust Company estimated $1.5 bn of uninsured deposits.

Key facts, Q2 2026

US rank of The Canandaigua National Bank and Trust Company: 1 = highest unless marked 1 = lowest.

The CET1 ratio of The Canandaigua National Bank and Trust Company stood at 12.34% in Q2 2026, +0.63 pp year on year. Low and high at The Canandaigua National Bank and Trust Company since Q1 2016: 10.41% (Q4 2017) to 12.36% (Q1 2026). Equity capital of The Canandaigua National Bank and Trust Company at Q2 2026: $479.5 mn, or 8.9% of total assets. The Canandaigua National Bank and Trust Company also reported a total capital ratio of 13.38% for Q2 2026, and a tier 1 leverage ratio of 9.01%.

On held-to-maturity securities, The Canandaigua National Bank and Trust Company carried an unrealized loss of $45.7 mn at Q2 2026, equal to 9.5% of equity capital. The loss narrowed by $7.0 mn over the year. Its deepest point: $85.8 mn in Q3 2023. The available-for-sale portfolio of The Canandaigua National Bank and Trust Company showed an unrealized loss of $16.8 mn at Q2 2026; the loss narrowed by $3.3 mn over the year.

For the year to Q2 2026, The Canandaigua National Bank and Trust Company earned a return on equity of 14.71%; return on assets: 1.27%. Net interest margin at The Canandaigua National Bank and Trust Company: 3.53%, +0.32 pp in a year. The Canandaigua National Bank and Trust Company net income: $34.4 mn, up 20.8% year on year. The efficiency ratio of The Canandaigua National Bank and Trust Company was 59.17%: about 59 cents cost per revenue dollar, against 52 cents at the median peer.

At Q2 2026, noncurrent loans were 0.83% of total loans at The Canandaigua National Bank and Trust Company; net charge-offs: 0.10% of average loans. Gross loans and leases at The Canandaigua National Bank and Trust Company: $4.1 bn, up 4.8% in a year.

The peer group of The Canandaigua National Bank and Trust Company is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of The Canandaigua National Bank and Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, The Canandaigua National Bank and Trust Company shows CET1 ratio 12.34% against a peer median of 13.07%, return on equity 14.71% against a peer median of 15.19% and uninsured deposit share 33.80% against a peer median of 33.86%.

No merger or acquisition by The Canandaigua National Bank and Trust Company appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.