BlastPoint's Banking Scorecard
Bank of Cattaraugus
Designations: ✓ Community bank
Cattaraugus, NY
Bank of Cattaraugus demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.95% above tier average
- + ROA 0.31% above tier average
- + Efficiency Ratio 11.09% below tier average
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.9M
+3.3% YoY
+27.7% QoQ
|
-$27.3M |
$62.2M
-0.6% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$16.8M
+1.1% YoY
+0.2% QoQ
|
-$17.4M |
$34.2M
-1.4% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$31.4M
+2.7% YoY
+31.2% QoQ
|
-$20.4M |
$51.7M
-0.7% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.15%
+15.9% YoY
+40.4% QoQ
|
+0.31% |
0.84%
-2.3% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
5.81%
+0.5% YoY
-6.6% QoQ
|
+1.95% |
3.86%
+2.8% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 2.8% in tier |
| Efficiency Ratio ? |
77.25%
-4.3% YoY
-9.1% QoQ
|
-11.09% |
88.34%
+0.3% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.67%
-42.1% YoY
-17.7% QoQ
|
-0.70% |
1.37%
+33.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
53.54%
-1.5% YoY
-23.6% QoQ
|
-10.67% |
64.22%
-0.7% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
36.02%
-6.6% YoY
-16.0% QoQ
|
+12.31% |
23.71%
+0.3% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 12.0% in tier |
| Nonperforming Asset Ratio ? |
0.48%
-34.3% YoY
-31.4% QoQ
|
-0.30% |
0.79%
+28.2% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.89%
+6.6% YoY
+2.9% QoQ
|
-8.79% |
26.68%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.07%
+1.0% YoY
-80.2% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
55% |
Get Full Access to Bank of Cattaraugus
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.