BlastPoint's Banking Scorecard
Bank of Cattaraugus
Designations: ✓ Community bank
Cattaraugus, 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 536 banks in the under $100M peer group nationwide — 1 of 5 in NY.
- Deposits +7.5% year over year ($27.4M on the books).
- Delinquency rate 1.17%.
- Return on assets 1.10%.
- Efficiency ratio 78.69% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Cattaraugus shows strong momentum with 5 strengths and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.28% above tier average
- + Non-Interest-Bearing Deposit Share 20.03% above tier average
- + ROA 0.10% above tier average
- + Efficiency Ratio 40.71% below tier average
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.0M
+7.5% YoY
-11.1% QoQ
|
-$31.4M |
$62.4M
-0.0% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.9% in tier |
| Total Loans ? |
$17.6M
+7.6% YoY
+4.5% QoQ
|
-$17.3M |
$34.9M
-0.6% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$27.4M
+7.5% YoY
-12.6% QoQ
|
-$24.2M |
$51.6M
-0.2% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.10%
-13.9% YoY
-4.4% QoQ
|
+0.10% |
1.00%
+3.5% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
6.19%
-0.1% YoY
+6.6% QoQ
|
+2.28% |
3.91%
+2.3% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Top 1.5% in tier |
| Efficiency Ratio ? |
78.69%
+3.8% YoY
+1.9% QoQ
|
-40.71% |
119.40%
+49.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
1.17%
-8.8% YoY
+74.5% QoQ
|
-0.31% |
1.48%
+31.8% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
63.99%
+0.1% YoY
+19.5% QoQ
|
-10.22% |
74.21%
+12.6% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
43.52%
-3.4% YoY
+20.8% QoQ
|
+20.03% |
23.49%
+0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Top 6.0% in tier |
| Nonperforming Asset Ratio ? |
0.85%
-8.3% YoY
+74.4% QoQ
|
+0.01% |
0.84%
+23.0% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
17.39%
-0.1% YoY
-2.8% QoQ
|
-9.73% |
27.13%
+3.0% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.16%
-0.9% YoY
+129.6% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
43.5%
-1.5pp YoY +7.5pp QoQ |
+18.9pp | 24.6% | 22.1% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.5%
-1.8pp YoY +1.1pp QoQ |
+2.1pp | 13.4% | 11.0% | 12.5% | 70% |
| CRE | n/a | n/a | 25.2% | 46.2% | 41.4% | n/a |
| 1-4 Family |
12.2%
-0.7pp YoY -1.5pp QoQ |
-22.8pp | 35.0% | 36.6% | 31.3% | 25% |
| Consumer |
16.3%
+0.4pp YoY -0.3pp QoQ |
+8.7pp | 7.7% | 5.1% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.4%
0.0pp YoY -0.5pp QoQ |
-21.3pp | 38.7% | 26.1% | 19.7% | 35% |
| Leverage Ratio |
10.3%
+0.2pp YoY -0.9pp QoQ |
-7.4pp | 17.7% | 13.9% | 12.6% | 21% |
| Total Capital Ratio |
18.5%
0.0pp YoY -0.5pp QoQ |
-21.2pp | 39.7% | 27.2% | 20.8% | 35% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 914 | 482 | 29% |
| Assets per Employee ($) |
$3.9M
+7.5% YoY -11.1% QoQ |
-$2.3M | $6.2M | $14.8M | $8.8M | 17% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 27 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.2%
-0.1pp YoY +0.5pp QoQ |
-0.6pp | 1.7% | 1.3% | 1.0% | 60% |
| Allowance Coverage |
1.05x
+7.4% YoY -43.9% QoQ |
-5.36x | 6.41x | 1.92x | 20.23x | 44% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-1.9pp YoY -0.6pp QoQ |
+3.6pp | 6.4% | 7.9% | 11.6% | 61% |
| Cost of Funds (YTD) |
0.5%
0.0pp YoY +0.1pp QoQ |
-0.9pp | 1.4% | 1.8% | 1.7% | 8% |
| Net Income ($, YTD) |
$170,000
-9.6% YoY — QoQ |
-$148K | $317,817 | $111.2M | $40.4M | 33% |
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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.