BlastPoint's Banking Scorecard
Cayuga Lake National Bank
Union Springs, NY
3 branches across NY
Cayuga Lake National Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10.7% in tier
- - Efficiency Drag: Bottom 24.4% in tier
- - Delinquency Rate 1.61% above tier average
- - ROA 0.76% below tier average
- - Net Interest Margin 0.98% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$281.1M
+0.1% YoY
-2.3% QoQ
|
-$105.0M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$173.3M
-3.0% YoY
+0.0% QoQ
|
-$82.4M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$257.3M
+0.1% YoY
-2.4% QoQ
|
-$70.7M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.51%
-13.8% YoY
-21.8% QoQ
|
-0.76% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.5% in tier |
| Net Interest Margin ? |
2.95%
+7.6% YoY
+2.2% QoQ
|
-0.98% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio ? |
84.10%
+4.0% YoY
+5.5% QoQ
|
+18.81% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate ? |
2.50%
+67.1% YoY
+12.0% QoQ
|
+1.61% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.3% in tier |
| Loan-to-Deposit Ratio ? |
67.38%
-3.1% YoY
+2.5% QoQ
|
-9.26% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
23.17%
+11.1% YoY
-19.7% QoQ
|
+1.15% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.54%
+62.0% YoY
+14.6% QoQ
|
+0.90% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.0% in tier |
| Tier 1 Capital Ratio ? |
17.22%
+0.5% YoY
-1.2% QoQ
|
+1.39% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.07%
-13.2% YoY
-77.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.