The Canandaigua National Bank and Trust Company: how it compares with its peers
Against 19 NY banks with half to twice its assets, The Canandaigua National Bank and Trust Company's strongest measure in Q2 2026 is return on assets (1.27% vs. a 1.11% peer median). Its weakest relative measure is assets per employee ($8.4M vs. $13.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.11% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 2.93% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.17% | 53.86% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $13.1M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.88% | 86.42% | Context |
What it means for lending operations
Its efficiency ratio of 59.17% is above the 53.86% 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
- Five Star Bank Rochester, NY · $6.29B
- Arrow Bank National Association Glens Falls, NY · $4.46B
- TrustCo Bank Glenville, NY · $6.52B
- Bessemer Trust Company, National Association New York, NY · $4.16B
- Woori America Bank New York, NY · $4.12B
Questions about The Canandaigua National Bank and Trust Company
How big is The Canandaigua National Bank and Trust Company?
The Canandaigua National Bank and Trust Company, established in 1887, is headquartered in Canandaigua, NY. It reported $5.41B in total assets in its Q2 2026 FDIC call report and operates 28 offices.
What is The Canandaigua National Bank and Trust Company's return on assets?
1.27% annualized in Q2 2026, against a 1.11% median for 19 NY banks with half to twice its assets, ahead of 63% of them.
What is The Canandaigua National Bank and Trust Company's efficiency ratio?
59.17% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 53.86%, and lower is better.
Is The Canandaigua National Bank and Trust Company growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 9.1%.
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.