BlastPoint's Banking Scorecard

Cattaraugus County Bank

$100M-$1B Specialty: Commercial NY FDIC cert 12959

Little Valley, NY

7 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Cattaraugus County Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

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 0.54% below tier average
- Efficiency Ratio 10.61% above tier average
- Delinquency Rate 0.08% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$379.0M +5.8% YoY +1.0% QoQ	-$7.1M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$219.4M -2.6% YoY -1.9% QoQ	-$36.3M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$333.5M +5.2% YoY +1.4% QoQ	+$5.5M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	0.73% +19.6% YoY +0.4% QoQ	-0.54%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	4.15% +0.5% YoY -2.5% QoQ	+0.22%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	75.90% +0.3% YoY +4.4% QoQ	+10.61%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.97% -41.9% YoY -26.6% QoQ	+0.08%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	65.79% -7.5% YoY -3.3% QoQ	-10.84%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	27.73% -7.9% YoY -5.8% QoQ	+5.71%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.98% -41.7% YoY -23.0% QoQ	+0.35%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	15.23% +1.3% YoY +2.2% QoQ	-0.61%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.11% -17.4% YoY -78.0% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

646

Non-Interest-Bearing Deposit Share

funding

Value: 27.73%

Peer Median: 22.02%

#646 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (3 metrics)

2135

Nonperforming Asset Ratio

credit_quality

Value: 0.98%

Peer Median: 0.64%

#2135 of 2664 Bottom 19.9% in $100M-$1B

2108

Efficiency Ratio

profitability

Value: 75.90%

Peer Median: 65.29%

#2108 of 2664 Bottom 20.9% in $100M-$1B

2065

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.27%

#2065 of 2664 Bottom 22.5% in $100M-$1B