BlastPoint's Banking Scorecard

Cayuga Lake National Bank

$100M-$1B Specialty: Other NY FDIC cert 6954

Union Springs, NY

3 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 -1.2% year over year ($249.1M on the books).
Delinquency rate 2.49%.
Return on assets 0.60%.
Efficiency ratio 83.40% vs a 64.48% peer average.
Loan-to-deposit ratio 69.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Cayuga Lake National Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 6.8% in tier
- Efficiency Drag: Bottom 24.9% in tier
- Net Interest Margin 0.99% below tier average
- Delinquency Rate 1.57% above tier average
- ROA 0.73% below tier average

Get updates when Cayuga Lake National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$273.7M -0.9% YoY -2.6% QoQ	-$112.8M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$173.1M -1.9% YoY -0.2% QoQ	-$85.3M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$249.1M -1.2% YoY -3.2% QoQ	-$77.7M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	0.60% -8.5% YoY +16.4% QoQ	-0.73%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 14.9% in tier
Net Interest Margin ?	2.99% +6.4% YoY +1.4% QoQ	-0.99%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 9.7% in tier
Efficiency Ratio ?	83.40% +5.6% YoY -0.8% QoQ	+18.92%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 10.5% in tier
Delinquency Rate ?	2.49% +56.6% YoY -0.5% QoQ	+1.57%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 8.8% in tier
Loan-to-Deposit Ratio ?	69.48% -0.6% YoY +3.1% QoQ	-8.47%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	26.05% +14.7% YoY +12.4% QoQ	+4.02%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	1.57% +55.0% YoY +2.0% QoQ	+0.90%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 11.3% in tier
Tier 1 Capital Ratio ?	17.44% -1.6% YoY +1.3% QoQ	+1.53%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.15% -1.1% YoY +127.4% QoQ	-0.42%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	35%

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	26.0% +3.3pp YoY +2.9pp QoQ	+3.9pp	22.1%	22.1%	22.2%	70%
Brokered Deposits	3.2% 0.0pp YoY +0.1pp QoQ	-4.7pp	7.9%	8.0%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	9.2% -0.9pp YoY -0.4pp QoQ	-2.4pp	11.6%	11.0%	12.5%	47%
CRE	19.6% +0.9pp YoY +0.2pp QoQ	-20.0pp	39.5%	46.2%	41.4%	17%
1-4 Family	67.4% +0.6pp YoY +0.2pp QoQ	+34.7pp	32.6%	36.6%	31.3%	93%
Consumer	3.9% -0.6pp YoY -0.1pp QoQ	-0.2pp	4.1%	5.1%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	17.4% -0.3pp YoY +0.2pp QoQ	-1.4pp	18.8%	26.1%	19.7%	66%
Leverage Ratio	9.3% -0.1pp YoY +0.1pp QoQ	-2.9pp	12.2%	13.9%	12.6%	17%
Total Capital Ratio	18.7% -0.3pp YoY +0.2pp QoQ	-1.2pp	19.9%	27.2%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	36 +1 (+2.9%) YoY -1 (-2.7%) QoQ	-23	58	914	482	36%
Assets per Employee ($)	$7.6M -3.6% YoY +0.1% QoQ	+$86K	$7.5M	$14.8M	$8.8M	62%
Branch Count	3 0 YoY 0 QoQ	-2	4	27	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.4pp QoQ	-0.3pp	0.3%	0.1%	0.4%	33%
Nonaccrual	2.5% +1.0pp YoY +0.4pp QoQ	+1.5pp	0.9%	1.3%	1.0%	91%
Allowance Coverage	0.50x -43.3% YoY -7.1% QoQ	-23.65x	24.15x	1.92x	20.23x	10%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	7.9% -1.3pp YoY +1.0pp QoQ	-4.3pp	12.2%	7.9%	11.6%	25%
Cost of Funds (YTD)	1.4% -0.3pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	32%
Net Income ($, YTD)	$837,000 -8.1% YoY — QoQ	-$1.7M	$2.6M	$111.2M	$40.4M	21%

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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 (2)

Flatlined Growth

risk

#37 of 529 • Bottom 6.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.60%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#91 of 361 • Bottom 24.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.40%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

567

Tier 1 Capital Ratio

capital

Value: 17.44%

Peer Median: 15.91%

#567 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (5 metrics)

2401

Delinquency Rate

credit_quality

Value: 2.49%

Peer Median: 0.92%

#2401 of 2633 Bottom 8.8% in $100M-$1B

2387

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.99%

#2387 of 2643 Bottom 9.7% in $100M-$1B

2367

Efficiency Ratio

profitability

Value: 83.40%

Peer Median: 64.48%

#2367 of 2643 Bottom 10.5% in $100M-$1B

2345

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.67%

#2345 of 2643 Bottom 11.3% in $100M-$1B

2250

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.32%

#2250 of 2643 Bottom 14.9% in $100M-$1B