What is The Canandaigua National Bank and Trust Company's financial health grade?

The Canandaigua National Bank and Trust Company has a TFS Financial Health Grade of C- (score: 72.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

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

The Canandaigua National Bank and Trust Company has 26 branch locations across the United States.

Is The Canandaigua National Bank and Trust Company FDIC insured?

Yes, The Canandaigua National Bank and Trust Company is FDIC insured (Certificate #6985).

What are the total assets of The Canandaigua National Bank and Trust Company?

The Canandaigua National Bank and Trust Company has total assets of $5.3B as reported in its most recent FDIC filing.

The Canandaigua National Bank and Trust Company

BankCanandaigua, New York

www.cnbank.com

Total Assets

$5.3B

Total Deposits

$4.4B

Branches

Established

1887

TFS Health Grade

C-

72.1 / 100

Average financial health

How we grade

The Canandaigua National Bank and Trust Company is a bank headquartered in Canandaigua, New York, established in 1887. With $5.3B in total assets and 26 branch locations, it has a TFS Financial Health Grade of C- (72.1/100).

Capital & Safety

Tier 1 Capital Ratio

8.74%(8%)

Total Capital Ratio

13.35%(10%)

Non-Performing Loan Ratio

0.93%

Profitability

Return on Assets (ROA)

1.15%(1%)

Return on Equity (ROE)

13.90%(10%)

Net Interest Margin

3.33%

Efficiency Ratio

60.32%(60%)

Lending & Liquidity

Total Loans

$3.9B

Loan-to-Deposit Ratio

88.69%

Net Charge-Off Ratio

0.29%

Growth

Asset Growth (YoY)

+5.32%

Deposit Growth (YoY)

+9.30%

Net Income

$59.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Canandaigua National Bank and Trust CompanyHQ	72 S Main St	Canandaigua	NY	11
The Canandaigua National Bank and Trust Company	4 Main St	Bloomfield	NY	11
The Canandaigua National Bank and Trust Company	6660 4th Section Rd	Brockport	NY	11
The Canandaigua National Bank and Trust Company	709 S Main St	Canandaigua	NY	11
The Canandaigua National Bank and Trust Company	6720 Pittsford Palmyra Rd	Fairport	NY	11
The Canandaigua National Bank and Trust Company	6183 Route 96	Farmington	NY	11
The Canandaigua National Bank and Trust Company	287 Hamilton St	Geneva	NY	11
The Canandaigua National Bank and Trust Company	8633 Main St	Honeoye	NY	11
The Canandaigua National Bank and Trust Company	99 W Main St	Honeoye Falls	NY	11
The Canandaigua National Bank and Trust Company	119 South Main Street	Manchester	NY	11
The Canandaigua National Bank and Trust Company	51 Assembly Dr	Mendon	NY	11
The Canandaigua National Bank and Trust Company	1816 Penfield Rd	Penfield	NY	11
The Canandaigua National Bank and Trust Company	1150 Pittsford Victor Rd	Pittsford	NY	11
The Canandaigua National Bank and Trust Company	18 State St	Pittsford	NY	11
The Canandaigua National Bank and Trust Company	2128 Hudson Ave	Rochester	NY	11
The Canandaigua National Bank and Trust Company	45 E Main St	Rochester	NY	11
The Canandaigua National Bank and Trust Company	3204 Latta Rd	Rochester	NY	11
The Canandaigua National Bank and Trust Company	1341 Mount Hope Ave	Rochester	NY	11
The Canandaigua National Bank and Trust Company	3228 Chili Ave	Rochester	NY	11
The Canandaigua National Bank and Trust Company	2075 Monroe Ave	Rochester	NY	11
The Canandaigua National Bank and Trust Company	2455 W Ridge Rd	Rochester	NY	11
The Canandaigua National Bank and Trust Company	1225 Commons Way	Rochester	NY	11
The Canandaigua National Bank and Trust Company	210 Alexander St	Rochester	NY	11
The Canandaigua National Bank and Trust Company	61 W Main St	Victor	NY	11
The Canandaigua National Bank and Trust Company	1998 Empire Blvd	Webster	NY	11
The Canandaigua National Bank and Trust Company	1155 Ridge Rd	Webster	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.