BlastPoint's Banking Scorecard
Cattaraugus County Bank
Little Valley, NY
7 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
- Deposits +5.6% year over year ($338.2M on the books).
- Delinquency rate 1.74%.
- Return on assets 0.71%.
- Efficiency ratio 74.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.63% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cattaraugus County Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency Ratio 9.72% above tier average
- - Delinquency Rate 0.82% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.7M
+5.3% YoY
+1.5% QoQ
|
-$1.9M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$215.2M
-4.6% YoY
-1.9% QoQ
|
-$43.2M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$338.2M
+5.6% YoY
+1.4% QoQ
|
+$11.4M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
0.71%
+12.9% YoY
-3.6% QoQ
|
-0.62% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
4.21%
+1.1% YoY
+1.3% QoQ
|
+0.22% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
74.20%
-1.7% YoY
-2.2% QoQ
|
+9.72% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
1.74%
+9.2% YoY
+79.4% QoQ
|
+0.82% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
63.63%
-9.6% YoY
-3.3% QoQ
|
-14.33% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
28.70%
-1.8% YoY
+3.5% QoQ
|
+6.67% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.39%
-2.8% YoY
+41.2% QoQ
|
+0.72% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.3% in tier |
| Tier 1 Capital Ratio ? |
15.47%
+7.1% YoY
+1.6% QoQ
|
-0.43% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.25%
-9.1% YoY
+117.5% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
-0.5pp YoY +1.0pp QoQ |
+6.6pp | 22.1% | 22.1% | 22.2% | 78% |
| Brokered Deposits |
4.5%
-0.7pp YoY -0.1pp QoQ |
-3.4pp | 7.9% | 8.0% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.3%
-0.7pp YoY +0.2pp QoQ |
+2.7pp | 11.6% | 11.0% | 12.5% | 73% |
| CRE |
52.5%
-2.3pp YoY -0.4pp QoQ |
+13.0pp | 39.5% | 46.2% | 41.4% | 74% |
| 1-4 Family |
31.7%
+3.4pp YoY +0.5pp QoQ |
-0.9pp | 32.6% | 36.6% | 31.3% | 55% |
| Consumer |
1.3%
+0.1pp YoY -0.1pp QoQ |
-2.8pp | 4.1% | 5.1% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
+1.0pp YoY +0.2pp QoQ |
-3.4pp | 18.8% | 26.1% | 19.7% | 54% |
| Leverage Ratio |
11.3%
0.0pp YoY +0.2pp QoQ |
-0.9pp | 12.2% | 13.9% | 12.6% | 55% |
| Total Capital Ratio |
16.4%
+1.3pp YoY +0.4pp QoQ |
-3.5pp | 19.9% | 27.2% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
65
-4 (-5.8%) YoY -2 (-3.0%) QoQ |
+6 | 58 | 914 | 482 | 67% |
| Assets per Employee ($) |
$5.9M
+11.8% YoY +4.6% QoQ |
-$1.6M | $7.5M | $14.8M | $8.8M | 32% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 27 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
2.5%
+0.2pp YoY +0.8pp QoQ |
+1.6pp | 0.9% | 1.3% | 1.0% | 91% |
| Allowance Coverage |
0.54x
+39.5% YoY -31.1% QoQ |
-23.61x | 24.15x | 1.92x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
0.7%
+0.7pp YoY -0.7pp QoQ |
+0.6pp | 0.1% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+0.6pp YoY -0.3pp QoQ |
-5.2pp | 12.2% | 7.9% | 11.6% | 21% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 13% |
| Net Income ($, YTD) |
$1.3M
+19.2% YoY — QoQ |
-$1.2M | $2.6M | $111.2M | $40.4M | 37% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.