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.

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 61).

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

Yes. Cattaraugus County Bank is an FDIC-insured institution (FDIC certificate #12959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.4% of deposits ($55.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.43% (benchmark: 10%).

Check how much of your own balance is covered

Cattaraugus County Bank lists 7 offices in 7 cities. Most locations:

• Dunkirk, NY (1)
• Lakewood, NY (1)
• Little Valley, NY (1)
• Randolph, NY (1)
• Salamanca, NY (1)
• South Dayton, NY (1)
• Springville, NY (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 93 consumer complaints about C/C Financial to the company (27 in the last 12 months). 95.7% received a timely response. That is 275.0 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Cattaraugus County Bank reported 67 home-loan applications under HMDA (LEI 549300JEHXW73XYX6533): 52 originated ($14,760,000 total), 6 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Cattaraugus County Bank

Type

State-chartered bank

FDIC certificate #

12959

RSSD ID

254504

Primary regulator

FDIC

Holding company

C C Bcorp Inc

Established

January 1, 1902

Headquarters

116 Main St, Little Valley, NY 14755

Website

www.countonccb.com

Employees

65