BlastPoint's Banking Scorecard

The Canandaigua National Bank and Trust Company

$1B-$10B Specialty: Commercial NY FDIC cert 6985

Designations: ✓ Community bank

Canandaigua, NY

26 branches across NY

884 banks in the $1B-$10B peer group nationally 38 in NY

The Canandaigua National Bank and Trust Company has 1 strength but faces 2 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

+ Efficiency Ratio 2.77% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 97.2% in tier
- Net Interest Margin 0.32% below 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 ?	$5.5B +6.0% YoY +2.7% QoQ	+$2.6B	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 13.0% in tier
Total Loans ?	$3.9B +4.8% YoY +1.4% QoQ	+$2.0B	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 12.3% in tier
Total Deposits ?	$4.5B +8.7% YoY +3.1% QoQ	+$2.2B	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 12.8% in tier
Return on Assets ?	1.34% +18.7% YoY +15.8% QoQ	-0.03%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.50% +10.6% YoY +5.1% QoQ	-0.32%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	58.30% -4.5% YoY -3.4% QoQ	-2.77%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.89% -14.2% YoY -4.8% QoQ	+0.00%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	87.20% -3.6% YoY -1.7% QoQ	+3.00%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	18.74% -10.2% YoY -4.2% QoQ	-2.55%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.65% -14.5% YoY -7.3% QoQ	-0.03%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	12.36% +7.7% YoY +0.5% QoQ	-2.80%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.24% -1.5% YoY -76.6% QoQ	-0.02%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	79%

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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 (1)

NIB Deposit Bleed

decline

#36 of 36 • Bottom 97.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 18.74%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 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 884 peers in $1B-$10B

Top Strengths (4 metrics)

110

Total Loans

size

Value: $3.94B

Peer Median: $1.96B

#110 of 884 Top 12.3% in $1B-$10B

114

Total Deposits

size

Value: $4.52B

Peer Median: $2.34B

#114 of 884 Top 12.8% in $1B-$10B

116

Total Assets

size

Value: $5.46B

Peer Median: $2.82B

#116 of 884 Top 13.0% in $1B-$10B

188

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.26%

#188 of 884 Top 21.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available