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Overview / Commentary
116-20 Main Street
Little Valley, NY 14755

Cattaraugus County Bank is headquartered in Little Valley and is the 120th largest bank in the state of New York. It is also the 3,194th largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 64 employees at 8 locations. Cattaraugus County Bank's savings rates are 44% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cattaraugus County Bank had $925,000 in non-current loans and owned real-estate with $18.08 million in equity and loan loss allowances on hand to cover it. This gives Cattaraugus County Bank a Texas Ratio of 5.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cattaraugus County Bank experienced no significant changes from 4.84% as of March 31, 2013 to 5.12% as of March 31, 2014, resulting in a negative change of 5.62%. This indicates that the balance sheet and financial strength for Cattaraugus County Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Cattaraugus County Bank has decreased its total deposits by $-82,000, resulting in -0.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cattaraugus County Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cattaraugus County Bank has $188.64 million in assets with $18.08 million in equity, resulting in a capitalization level of 9.59%, which is above average.

Institution Statistics

FDIC Certificate #12959
Year Established1902
Primary RegulatorFDIC
Assets and Liabilities
Assets$188.64 million
Loans$112.52 million
Deposits$167.68 million
Equity Capital$16.32 million
Loan Loss Allowance$1.76 million
Unbacked Noncurrent Loans$925,000
Real Estate Owned$0
Historic Data - March 2013
Assets$188.58 million
Equity Capital$16.40 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$925,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.46%
Return on Equity5.37%
Interest Income$1.78 million

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Cattaraugus County Bank Savings Account Rates

0.75%$100-Individual Retirement Account
0.38%$5k-Gold Club Savings Account
0.25%$5k-Statement Savings Account
0.25%$5k-CCB Kids Cash Club
0.15%--CCB Christmas Club

Cattaraugus County Bank Money Market Rates

0.35%$100k-Money Management Plus
0.35%$250k-Municipal Money Management Account

Cattaraugus County Bank Checking Account Rates

1.75%-$10kMaximum Green Checking Account - Qualifying
0.10%--Maximum Green Checking Account - Non Qualifying

Cattaraugus County Bank CD Rates

0.94%$1k-48 Month Gold Club CD
0.79%$1k-36 Month Gold Club CD
0.69%$1k-48 Month CD
0.69%$1k-30 Month Gold Club CD
0.64%$1k-24 Month Gold Club CD
0.54%$1k-36 Month CD
0.54%$1k-18 Month Gold Club CD
0.49%$1k-12 Month Gold Club CD
0.44%$1k-30 Month CD
0.39%$1k-24 Month CD
0.35%$1k-6 Month Gold Club CD
0.29%$1k-18 Month CD
0.24%$1k-12 Month CD
0.24%$100k$500k271-365 Day Jumbo CD
0.15%$100k$500k181-270 Day Jumbo CD
0.10%$1k-6 Month CD
0.10%$100k$500k0-30 Day Jumbo CD
0.10%$100k$500k31-60 Day Jumbo CD
0.10%$100k$500k61-90 Day Jumbo CD
0.10%$100k$500k91-120 Day Jumbo CD
0.10%$100k$500k121-150 Day Jumbo CD
0.10%$100k$500k151-180 Day Jumbo CD

Cattaraugus County Bank Locations
Cattaraugus County Bank116-20 Main StreetLittle Valley, NY 14755
Dunkirk/Fredonia Branch1165 Main Street ExtensionDunkirk, NY 14048
Springville Branch325 South Cascade DriveSpringville, NY 14141
Randolph Branch42 Main StreetRandolph, NY 14772
South Dayton Branch517 Pine StreetSouth Dayton, NY 14138
Broad Street Branch550 Broad StreetSalamanca, NY 14779
Franklinville Branch7 South Main StreetFranklinville, NY 14737
Fairmount Avenue Branch870 Fairmount AvenueJamestown, NY 14701