Cattaraugus County Bank: how it compares with its peers
Against 37 NY banks with half to twice its assets, Cattaraugus County Bank's strongest measure in Q2 2026 is net interest margin (4.21% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.1M).
| Measure | Cattaraugus County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.71% | 0.74% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.74% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.20% | 71.64% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.1M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.63% | 88.58% | Context |
What it means for lending operations
Its efficiency ratio of 74.20% is above the 71.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Delaware National Bank of Delhi Delhi, NY · $384M
- The North Country Savings Bank Canton, NY · $373M
- Abacus Federal Savings Bank New York, NY · $321M
- The Bank of East Asia Ltd. New York, NY · $450M
- Seneca Savings Bank, National Association Baldwinsville, NY · $312M
- Carthage Savings and Loan, National Association Carthage, NY · $312M
Questions about Cattaraugus County Bank
How big is Cattaraugus County Bank?
Cattaraugus County Bank, established in 1902, is headquartered in Little Valley, NY. It reported $385M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Cattaraugus County Bank's return on assets?
0.71% annualized in Q2 2026, against a 0.74% median for 37 NY banks with half to twice its assets, ahead of 49% of them.
What is Cattaraugus County Bank's efficiency ratio?
74.20% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 71.64%, and lower is better.
Is Cattaraugus County Bank growing its loans?
Net loans shrank 4.6% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.