BlastPoint's Banking Scorecard
The Canandaigua National Bank and Trust Company
Designations: ✓ Community bank
Canandaigua, NY
28 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 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits +9.1% year over year ($4.6B on the books).
- Delinquency rate 0.84%.
- Return on assets 1.27%.
- Efficiency ratio 59.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.88% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Canandaigua National Bank and Trust Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.55% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Net Interest Margin 0.34% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+4.4% YoY
-0.9% QoQ
|
+$2.6B |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Top 12.5% in tier |
| Total Loans ? |
$4.0B
+4.8% YoY
+2.7% QoQ
|
+$2.1B |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Top 11.6% in tier |
| Total Deposits ? |
$4.6B
+9.1% YoY
+0.8% QoQ
|
+$2.2B |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Top 12.5% in tier |
| Return on Assets ? |
1.27%
+14.8% YoY
-4.6% QoQ
|
-0.12% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
3.53%
+9.8% YoY
+1.0% QoQ
|
-0.34% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
59.17%
-1.0% YoY
+1.5% QoQ
|
-0.55% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.84%
-17.6% YoY
-5.9% QoQ
|
-0.03% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
88.88%
-3.9% YoY
+1.9% QoQ
|
+3.84% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
19.30%
-6.4% YoY
+3.0% QoQ
|
-1.98% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.63%
-18.1% YoY
-3.2% QoQ
|
-0.05% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
12.34%
+5.4% YoY
-0.1% QoQ
|
-2.50% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.52%
+1.2% YoY
+115.2% QoQ
|
-0.01% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
81% |
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 |
19.3%
-1.3pp YoY +0.6pp QoQ |
-2.1pp | 21.4% | 22.1% | 22.2% | 47% |
| Brokered Deposits |
9.3%
+2.4pp YoY +1.6pp QoQ |
-0.1pp | 9.5% | 8.0% | 8.5% | 66% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
+0.3pp YoY -0.1pp QoQ |
-3.0pp | 14.0% | 11.0% | 12.5% | 49% |
| CRE |
37.3%
+0.1pp YoY +0.6pp QoQ |
-12.7pp | 50.0% | 46.2% | 41.4% | 19% |
| 1-4 Family |
33.2%
-0.3pp YoY -0.7pp QoQ |
+6.8pp | 26.4% | 36.6% | 31.3% | 72% |
| Consumer |
19.3%
-0.2pp YoY +0.2pp QoQ |
+14.6pp | 4.7% | 5.1% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+0.6pp YoY 0.0pp QoQ |
-3.3pp | 15.6% | 26.1% | 19.7% | 30% |
| Leverage Ratio |
9.0%
+0.4pp YoY +0.4pp QoQ |
-2.3pp | 11.3% | 13.9% | 12.6% | 11% |
| Total Capital Ratio |
13.4%
+0.6pp YoY 0.0pp QoQ |
-3.3pp | 16.7% | 27.2% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
647
+31 (+5.0%) YoY +25 (+4.0%) QoQ |
+333 | 313 | 914 | 482 | 91% |
| Assets per Employee ($) |
$8.4M
-0.6% YoY -4.8% QoQ |
-$2.1M | $10.5M | $14.8M | $8.8M | 46% |
| Branch Count |
26
0 YoY 0 QoQ |
+6 | 20 | 27 | 18 | 77% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 57% |
| Nonaccrual |
0.8%
-0.2pp YoY -0.1pp QoQ |
0.0pp | 0.8% | 1.3% | 1.0% | 66% |
| Allowance Coverage |
1.14x
+21.2% YoY +8.5% QoQ |
-17.57x | 18.71x | 1.92x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+1.1pp YoY -0.9pp QoQ |
+2.1pp | 12.6% | 7.9% | 11.6% | 71% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.8% | 1.7% | 54% |
| Net Income ($, YTD) |
$34.4M
+20.8% YoY — QoQ |
+$15.1M | $19.2M | $111.2M | $40.4M | 85% |
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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.