TellerScore

Cayuga Lake National Bank is a national bank headquartered in Union Springs, New York, in business for about 162 years. At the end of Q2 2026 it reported $273.7M in total assets and $249.1M in deposits, with 3 offices.

Based on its Q2 2026 filing, Cayuga Lake National Bank scores 44/100, which we describe as below average. That is higher than only 4% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 105th. Its strongest component is funding & liquidity (78/100; 69% loans-to-deposits, 26% uninsured), and its lowest is loan quality (18/100; 2.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.30%
Loan quality18/100
Noncurrent loans ÷ total loans: 2.46%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 69.5% · 26.1% uninsured
Problem-loan coverage64/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.03%

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

From Q2 2025 to Q2 2026, the score fell 9 points (53 → 44), mostly because the loan quality component weakened by 30 points.

TellerScore
354453Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202447
Q4 202435
Q1 202553
Q2 202553
Q3 202548
Q4 202547
Q1 202643
Q2 202644
Tier 1 leverage ratio
5.00%7.35%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.86%
Q3 20248.83%
Q4 20249.12%
Q1 20259.26%
Q2 20259.44%
Q3 20259.70%
Q4 20259.35%
Q1 20269.22%
Q2 20269.30%
Noncurrent loans
1.42%2.15%2.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.50%
Q3 20241.42%
Q4 20242.89%
Q1 20251.47%
Q2 20251.57%
Q3 20252.28%
Q4 20252.20%
Q1 20262.47%
Q2 20262.46%
Return on assets
0.03%0.37%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.03%
Q3 20240.12%
Q4 20240.26%
Q1 20250.59%
Q2 20250.65%
Q3 20250.71%
Q4 20250.66%
Q1 20260.51%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$273.7M9.30%2.46%0.60%69.5%
Q1 202643$281.1M9.22%2.47%0.51%67.4%
Q4 202547$287.6M9.35%2.20%0.66%65.7%
Q3 202548$274.1M9.70%2.28%0.71%69.3%
Q2 202553$276.1M9.44%1.57%0.65%69.9%
Q1 202553$280.8M9.26%1.47%0.59%69.5%
Q4 202435$281.9M9.12%2.89%0.26%72.7%
Q3 202447$285.1M8.83%1.42%0.12%75.4%
Q2 202447$285.4M8.86%1.50%0.03%72.7%

2,650 peers · $100 million – $1 billion

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).

Capital ratio9.30%
17th
Total risk-based capital18.69%
83rd
Problem loans2.46%
9th
Net charge-offs0.06%
26th
Return on assets0.60%
15th
Net interest margin2.99%
10th
Efficiency ratio83.4%
10th
Loans to deposits69.5%
70th
Uninsured deposits26.1%
42nd
Loan-loss reserves1.23%
54th
Texas ratio18.0%
8th

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Global BankBank New York, NY36 out of 100, Low$304.2M12.1%4.49%vs
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Alpine Capital BankBank New York, NY77 out of 100, Strong$237.3M13.7%0.00%vs

Deposit insurance

Is my money safe at Cayuga Lake National Bank?

Yes. Cayuga Lake National Bank is an FDIC-insured institution (FDIC certificate #6954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($64.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.69% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Cayuga Lake National Bank lists 2 offices in 2 cities. Most locations:

  • Lansing, NY (1)
  • Union Springs, NY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cayuga Lake National Bank reported 67 home-loan applications under HMDA (LEI 254900MRPE13A5ZB4T75): 62 originated ($9,120,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, 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.

Identity & history

Profile

Legal name
Cayuga Lake National Bank
Former names
The First National Bank of Aurora
Type
National bank
FDIC certificate #
6954
RSSD ID
63201
Primary regulator
OCC
Holding company
Cayuga Lake Bank Corp
Established
January 1, 1864
Headquarters
165 Cayuga St, Union Springs, NY 13160
Employees
36

Quick answers

Cayuga Lake National Bank: common questions

Is Cayuga Lake National Bank FDIC insured?

Yes. Cayuga Lake National Bank is an FDIC-insured institution (FDIC certificate #6954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cayuga Lake National Bank's TellerScore?

44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cayuga Lake National Bank ever failed?

There is no failure record for FDIC certificate #6954 in the FDIC failed bank list.

How many branches does Cayuga Lake National Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Union Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Auburn Community Federal Credit UnionCredit union Auburn, NY83 out of 100, Strong$126.5M12.3%0.08%vs
The First National Bank of GrotonBank Groton, NY78 out of 100, Strong$203.9M14.6%1.62%vs