Cayuga Lake National Bank: how it compares with its peers
Against 33 NY banks with half to twice its assets, Cayuga Lake National Bank's strongest measure in Q2 2026 is assets per employee ($7.6M vs. a $7.1M peer median). Its weakest relative measure is net interest margin (2.99% vs. 3.76%).
| Measure | Cayuga Lake National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.60% | 0.71% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.99% | 3.76% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.40% | 71.64% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.1M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.48% | 86.83% | Context |
What it means for lending operations
Its efficiency ratio of 83.40% 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
- Sawyer Savings Bank Saugerties, NY · $285M
- Bank of Holland Holland, NY · $262M
- The Upstate National Bank Ogdensburg, NY · $295M
- Global Bank New York, NY · $304M
- American Community Bank Glen Cove, NY · $307M
- Alpine Capital Bank New York, NY · $237M
Questions about Cayuga Lake National Bank
How big is Cayuga Lake National Bank?
Cayuga Lake National Bank, established in 1864, is headquartered in Union Springs, NY. It reported $274M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Cayuga Lake National Bank's return on assets?
0.60% annualized in Q2 2026, against a 0.71% median for 33 NY banks with half to twice its assets, ahead of 33% of them.
What is Cayuga Lake National Bank's efficiency ratio?
83.40% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 71.64%, and lower is better.
Is Cayuga Lake National Bank growing its loans?
Net loans shrank 1.9% over the year to Q2 2026, while deposits shrank 1.2%.
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.