This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
New York, NY
Health score
67.9
Total assets
$4.2B
Bank
Canandaigua, NY
Health score
79.9
Total assets
$5.4B
Answer first
Bessemer Trust Company, National Association leads on profitability and lending quality and growth; The Canandaigua National Bank and Trust Company leads on financial health and capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Canandaigua National Bank and Trust Company
Higher TFS health score
Capitalization
The Canandaigua National Bank and Trust Company
Higher comparable capital ratio
Profitability
Bessemer Trust Company, National Association
Higher return on assets
Lending quality
Bessemer Trust Company, National Association
Lower problem-loan measure
Growth
Bessemer Trust Company, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bessemer Trust Company, National Association | The Canandaigua National Bank and Trust Company |
|---|---|---|
| TFS health score | 67.9/100 | 79.9/100Leads |
| Total assets | $4.2B | $5.4B |
| Total deposits / shares | $3.2B | $4.6B |
| Tier 1 capital ratio | 7.62% | 9.01%Leads |
| Return on assets | 2.88%Leads | 1.27% |
| Return on equity | 38.18% |
Bessemer Trust Company, National Association
1 branches
The Canandaigua National Bank and Trust Company
26 branches
Both institutions report branches in 1 state: NY.
Bessemer Trust Company, National Association
Unavailable
The Canandaigua National Bank and Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Bessemer Trust Company, National Association
0 in TFS registry
The Canandaigua National Bank and Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Bessemer Trust Company, National Association score | Bessemer Trust Company, National Association ROA | The Canandaigua National Bank and Trust Company score | The Canandaigua National Bank and Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 3.63% | — | 0.91% |
| 2024-Q4 | — | 3.94% | — | 0.94% |
| 2025-Q1 | — | 2.38% | — | 1.13% |
| 2025-Q2 | — | 2.68% | — | 1.11% |
| 2025-Q3 | — | 2.80% | — | 1.17% |
| 2025-Q4 | — | 2.96% | — | 1.15% |
| 2026-Q1 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 14.71% |
| Non-performing loans | 0.00%Leads | 0.83% |
| Net charge-offs | 0.00%Leads | 0.10% |
| Efficiency ratio | 79.39% | 59.17%Leads |
| Loan-to-deposit ratio | 32.67% | 88.88% |
| Asset growth (YoY) | 6.92%Leads | 4.38% |
| Deposit / share growth (YoY) | 8.33% | 9.12%Leads |
| Branches | 1 | 26 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 66.4/100 |
| 2.46% |
| 79.7/100 |
| 1.34% |
| 2026-Q2 | 67.9/100 | 2.88% | 79.9/100 | 1.27% |