Bank of Cattaraugus (FDIC certificate #9406) is based in Cattaraugus, New York. Its Q2 2026 call report shows $31.0M in total assets and $27.4M in deposits and 1 office.
Bank of Cattaraugus has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 546 banks with under $100 million in assets. Among 121 banks headquartered in New York, it ranks 49th. Funding & liquidity contributes the most (94/100, 64% loans-to-deposits, 17% uninsured); capital cushion contributes the least (53/100, 10.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 68 |
| Q1 2026 | 73 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.52% |
| Q3 2024 | 11.53% |
| Q4 2024 | 10.85% |
| Q1 2025 | 10.73% |
| Q2 2025 | 10.08% |
| Q3 2025 | 11.95% |
| Q4 2025 | 10.59% |
| Q1 2026 | 11.19% |
| Q2 2026 | 10.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 1.28% |
| Q4 2024 | 0.74% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.47% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.66% |
| Q2 2026 | 1.16% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 1.13% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.12% |
| Q4 2025 | 0.82% |
| Q1 2026 | 1.15% |
| Q2 2026 | 1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $31.0M | 10.32% | 1.16% | 1.10% | 64.0% |
| Q1 2026 | 73 | $34.9M | 11.19% | 0.66% | 1.15% | 53.5% |
| Q4 2025 | 68 | $27.3M | 10.59% | 0.81% | 0.82% | 70.1% |
| Q3 2025 | 68 | $32.3M | 11.95% | 1.47% | 1.12% | 58.2% |
| Q2 2025 | 67 | $28.8M | 10.08% | 1.27% | 1.27% | 63.9% |
| Q1 2025 | 66 | $33.8M | 10.73% | 1.15% | 0.99% | 54.4% |
| Q4 2024 | 69 | $26.1M | 10.85% | 0.74% | 0.84% | 70.4% |
| Q3 2024 | 69 | $29.9M | 11.53% | 1.28% | 1.13% | 56.3% |
| Q2 2024 | 68 | $29.0M | 9.52% | 0.93% | 1.28% | 57.1% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| GS&L Municipal BankBank Gouverneur, NY | 92 out of 100, Very strong | $31.6M | 44.5% | 0.00% | vs |
| Metropolitan Bank and Trust CompanyBank New York, NY | 48 out of 100, Below average | $32.0M | 0.0% | 0.00% | vs |
| The Citizens National Bank of HammondBank Hammond, NY | 41 out of 100, Below average | $23.9M | 7.9% | 1.27% | vs |
| Emigrant Mercantile BankBank New York, NY | 80 out of 100, Strong | $3.5M | 85.7% | 0.00% | vs |
| Sunnyside Federal Savings and Loan Association of IrvingtonBank Irvington, NY | 70 out of 100, Strong | $82.3M | 12.3% | 0.18% | vs |
Deposit insurance
Is my money safe at Bank of Cattaraugus?
Yes. Bank of Cattaraugus is an FDIC-insured institution (FDIC certificate #9406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.8% of deposits ($4.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.48% (benchmark: 10%).
1 location
Branches
Bank of Cattaraugus lists 1 office in 1 city. Most locations:
- Cattaraugus, NY (1)
Identity & history
Profile
- Legal name
- Bank of Cattaraugus
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9406
- RSSD ID
- 92902
- Primary regulator
- FED
- Established
- March 30, 1882
- Headquarters
- 24 Main St, Cattaraugus, NY 14719
- Website
- www.bankofcattaraugus.com
- Employees
- 8
Quick answers
Bank of Cattaraugus: common questions
Is Bank of Cattaraugus FDIC insured?
Yes. Bank of Cattaraugus is an FDIC-insured institution (FDIC certificate #9406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Cattaraugus's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Cattaraugus ever failed?
There is no failure record for FDIC certificate #9406 in the FDIC failed bank list.
How many branches does Bank of Cattaraugus have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cattaraugus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gowanda Area Federal Credit UnionCredit union Gowanda, NY | 99 out of 100, Very strong | $33.5M | 16.1% | 0.00% | vs |
| High Point Federal Credit UnionCredit union Olean, NY | 87 out of 100, Very strong | $430.1M | 14.3% | 0.67% | vs |
| Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY | 84 out of 100, Strong | $85.5M | 11.0% | 0.02% | vs |
| Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY | 78 out of 100, Strong | $163.1M | 17.6% | 1.61% | vs |
| C C S E Federal Credit UnionCredit union Salamanca, NY | 78 out of 100, Strong | $61.1M | 10.9% | 0.37% | vs |
| Tri-County Federal Credit UnionCredit union Delevan, NY | 75 out of 100, Strong | $5.0M | 21.2% | 1.54% | vs |