TellerScore

The Canandaigua National Bank and Trust Company (FDIC certificate #6985) is based in Canandaigua, New York. Its Q2 2026 call report shows $5.4B in total assets and $4.6B in deposits and 28 offices.

Based on its Q2 2026 filing, The Canandaigua National Bank and Trust Company scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 76th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is capital cushion (40/100; 9.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.01%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.83%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 33.8% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.55%

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 rose 5 points (55 → 60), mostly because the earnings component improved by 7 points.

TellerScore
525660Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202452
Q4 202453
Q1 202556
Q2 202555
Q3 202555
Q4 202558
Q1 202660
Q2 202660
Tier 1 leverage ratio
5.00%7.00%9.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.40%
Q3 20248.36%
Q4 20248.54%
Q1 20258.48%
Q2 20258.62%
Q3 20258.66%
Q4 20258.74%
Q1 20268.66%
Q2 20269.01%
Noncurrent loans
0.77%0.93%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.77%
Q3 20241.04%
Q4 20241.08%
Q1 20251.03%
Q2 20251.01%
Q3 20251.08%
Q4 20250.93%
Q1 20260.88%
Q2 20260.83%
Return on assets
0.87%1.10%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.91%
Q4 20240.94%
Q1 20251.13%
Q2 20251.11%
Q3 20251.17%
Q4 20251.15%
Q1 20261.34%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$5.4B9.01%0.83%1.27%88.9%
Q1 202660$5.5B8.66%0.88%1.34%87.2%
Q4 202558$5.3B8.74%0.93%1.15%88.7%
Q3 202555$5.3B8.66%1.08%1.17%90.8%
Q2 202555$5.2B8.62%1.01%1.11%92.5%
Q1 202556$5.1B8.48%1.03%1.13%90.4%
Q4 202453$5.0B8.54%1.08%0.94%94.0%
Q3 202452$5.0B8.36%1.04%0.91%99.9%
Q2 202454$4.9B8.40%0.77%0.87%100.0%

897 peers · $1 billion – $10 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 ratio9.01%
12th
Total risk-based capital13.38%
47th
Problem loans0.83%
33rd
Net charge-offs0.10%
31st
Return on assets1.27%
52nd
Net interest margin3.53%
39th
Efficiency ratio59.2%
49th
Loans to deposits88.9%
46th
Uninsured deposits33.8%
42nd
Loan-loss reserves0.94%
24th
Texas ratio6.5%
29th

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InstitutionScoreAssetsCapitalProblem loansCompare
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs
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Bessemer Trust Company, National AssociationBank New York, NY70 out of 100, Strong$4.2B7.6%0.00%vs
Woori America BankBank New York, NY54 out of 100, Below average$4.1B12.8%1.92%vs
The Bank of East Asia Ltd.Bank New York, NY22 out of 100, Low$3.7B0.0%2.52%vs

Deposit insurance

Is my money safe at The Canandaigua National Bank and Trust Company?

Yes. The Canandaigua National Bank and Trust Company is an FDIC-insured institution (FDIC certificate #6985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.8% of deposits ($1.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.38% (benchmark: 10%).

Check how much of your own balance is covered

28 locations

Branches

The Canandaigua National Bank and Trust Company lists 28 offices in 17 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Canandaigua National Bank and Trust Company reported 939 home-loan applications under HMDA (LEI 549300RM7ARTTP3T1V93): 749 originated ($187,265,000 total), 123 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, 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
The Canandaigua National Bank and Trust Company
Type
National bank
FDIC certificate #
6985
RSSD ID
161602
Primary regulator
OCC
Holding company
Canandaigua National Corp
Established
December 1, 1887
Headquarters
72 S Main St, Canandaigua, NY 14424
Employees
647

Quick answers

The Canandaigua National Bank and Trust Company: common questions

Is The Canandaigua National Bank and Trust Company FDIC insured?

Yes. The Canandaigua National Bank and Trust Company is an FDIC-insured institution (FDIC certificate #6985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Canandaigua National Bank and Trust Company's TellerScore?

60 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 The Canandaigua National Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #6985 in the FDIC failed bank list.

How many branches does The Canandaigua National Bank and Trust Company have?

28 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Canandaigua

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Pittsford Federal Credit UnionCredit union Pittsford, NY74 out of 100, Strong$542.3M11.9%0.55%vs
Genesee Regional BankBank Rochester, NY72 out of 100, Strong$1.3B11.0%0.59%vs