Side-by-side · Q2 2026 data
Five Star Bank vs The Canandaigua National Bank and Trust Company
Bank
The Canandaigua National Bank and Trust Company
Canandaigua, New York · $1 billion – $10 billion
Metric by metric
| Measure | Five Star Bank | The Canandaigua National Bank and Trust Company |
|---|---|---|
| TellerScore | 66 (stronger) | 60 |
| Capital cushion | 59 (stronger) | 40 |
| Loan quality | 73 (stronger) | 72 |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 37 | 50 (stronger) |
| Problem-loan coverage | 89 (stronger) | 87 |
| Peer percentile | 40th | 21st |
| Total assets | $6.3B | $5.4B |
| Deposits / shares | $5.3B | $4.6B |
| Capital ratio | 10.87% (stronger) | 9.01% |
| Problem loans | 0.82% (stronger) | 0.83% |
| Net charge-offs | 0.27% | 0.10% (stronger) |
| Return on assets | 1.42% (stronger) | 1.27% |
| Loans ÷ deposits | 88.7% (stronger) | 88.9% |
| Uninsured deposits | 46.4% | 33.8% (stronger) |
| Offices | 47 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 13.4% |
Five Star Bank has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 5 and The Canandaigua National Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rochester, NY
- Canandaigua, NY
- Brockport, NY
- Geneva, NY
- Honeoye Falls, NY
- Victor, NY