Cattaraugus County Bank

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

Cattaraugus County Bank is headquartered in Little Valley and is the 96th largest bank in the state of New York. It is also the 2,383rd largest bank in the nation. It was established in 1902 and as of March of 2021, it had grown to 62 employees at 7 locations. Cattaraugus County Bank has a C health rating.

Reviews (3)

Mediocre At Best

Posted by: |

This bank is pretty bad when you compare it to some of the bigger chains. The employees are pretty friendly, I'll give you that, but there are a few things I can't overlook. I'll be taking my business elsewhere.

For one thing, the hours are awful. Most people work or are in school past 3 pm on a weekday. But that's only a minor problem compared to everything else.

When I opened a checking account, I wasn't given any checks. It's customary to receive a few checks at least when the account is opened. I didn't get a single one, in fact checks are really expensive here.

Another issue is with their fraud detection service. They outsource it to a company with a really sketchy sounding name. When my card got mistakenly blocked for "fraud" I received a letter in the mail. That's right, a letter. It looked like a scam. I brought it into the bank to make sure that it wasn't real, and the teller didn't know either. She had to ask her supervisor, who told me in a nasty voice that it was in fact legitimate and that if I had given a correct phone number (which I did in the first place) I would have instead received a call.

The app doesn't work well and is very slow. The website isn't too user friendly either.

Finally, the bank doesn't redeem ATM fees. Not only am I charged $2.50 to use a foreign ATM, CCB DOES NOT reimburse you for whatever fee the ATM itself charges for use. This isn't competitive at all. It's kind of a wonder this bank stays in business. From a consumer's standpoint it makes more financial sense to switch to a chain so I don't lose $6 every time I use an ATM.

Could Be Better

This bank makes to many mistakes. Something is always coming in the mail saying they underestimated something. Will not use again.

Banking At Cattaraugus County Bank CCB

I am leaving the lowest possible star, for they seem to want one. After banking there for 12 years I can confidently say that an average person is completely unwelcome and unwanted at this bank. They will possibly say hi to me but mostly it's a soulless look received. I get the feeling that I am just a bother and what they are thinking is"why are you here again?" At various times I have requested small loans and there is always the No answer, my credit score is 730 and I have worked and earned that many times over, but this bank always has an excuse for turning me down.


Health Grade Components

FDIC Certificate #12959
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.94%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$315.9MM$257.1MM
LoansQ1 2021vs Q1 2020$189.7MM$199.0MM
DepositsQ1 2021vs Q1 2020$283.0MM$229.5MM
Equity CapitalQ1 2021vs Q1 2020$23.7MM$23.4MM
Loan Loss AllowanceQ1 2021vs Q1 2020$3.2MM$2.7MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$15.7MM$2.2MM
Real Estate OwnedQ1 2021vs Q1 2020$0$27.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cattaraugus County Bank Savings Account Rates

0.20%*-$25kMaximum Saver
OTHER TIERS: 0.10% $25k+
0.15%--Individual Retirement Account
0.15%--Health Savings Account (HSA Checking)
0.10%--CCB Christmas Club
0.10%*$5k*-Gold Club Savings Account
OTHER TIERS: 0.05% Up to $5k
0.05%*$5k*-Statement Savings Account
OTHER TIERS: 0.02% Up to $5k
0.05%*$5k*-CCB Kids Cash Club
OTHER TIERS: 0.02% Up to $5k
0.05%*$5k*-Business Statement Savings Account
OTHER TIERS: 0.02% Up to $5k

Cattaraugus County Bank Money Market Rates

0.10%*$100k*-Money Management Plus
OTHER TIERS: 0.05% $2.5k - $100k
0.10%*$250k*-Municipal Money Management Account
OTHER TIERS: 0.02% Up to $100k | 0.05% $100k - $250k
0.10%*$100k*-Business Money Management Plus
OTHER TIERS: 0.05% $2.5k - $100k

Cattaraugus County Bank Checking Account Rates

0.50%*-$10kMaximum Green Checking Account
OTHER TIERS: 0.20% $10k+
0.10%*$250k*-Just Right Checking ll
OTHER TIERS: 0.05% $100k - $250m
0.02%$100-Gold Club Checking

Cattaraugus County Bank CD Rates

0.32%$1k-48 Month Gold Club CD
0.27%$1k-30 Month Gold Club CD
0.27%$1k-36 Month Gold Club CD
0.25%$1k-48 Month CD
0.25%$1k-Business 48 Month CD
0.22%$1k-24 Month Gold Club CD
0.20%$1k-36 Month CD
0.20%$1k-Business 36 Month CD
0.17%$1k-18 Month Gold Club CD
0.15%$1k-24 Month CD
0.15%$1k-30 Month CD
0.15%$1k-Business 24 Month CD
0.15%$1k-Business 30 Month CD
0.12%$1k-12 Month Gold Club CD
0.10%$1k-12 Month CD
0.10%$1k-18 Month CD
0.10%$1k-Business 12 Month CD
0.10%$1k-Business 18 Month CD
0.07%$1k-6 Month Gold Club CD
0.05%$1k-6 Month CD
0.05%$100k$500k0-30 Day Jumbo CD
0.05%$100k$500k31-60 Day Jumbo CD
0.05%$100k$500k61-90 Day Jumbo CD
0.05%$100k$500k91-120 Day Jumbo CD
0.05%$100k$500k121-150 Day Jumbo CD
0.05%$100k$500k151-180 Day Jumbo CD
0.05%$100k$500k181-270 Day Jumbo CD
0.05%$100k$500k271-365 Day Jumbo CD
0.05%$1k-Business 6 Month 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
Fairmount Avenue Branch870 Fairmount AvenueJamestown, NY 14701

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