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72 South Main Street
Canandaigua, NY 14424

The Canandaigua National Bank and Trust Company is headquartered in Canandaigua and is the 29th largest bank in the state of New York. It is also the 340th largest bank in the nation. It was established in 1887 and as of March of 2017, it had grown to 454 employees at 24 locations. The Canandaigua National Bank and Trust Company has an A health rating.

Reviews (3)

Focused Personal Service

After moving to Upstate New York, I heard about this bank everywhere, but didn't think I'd move my accounts there because, as a small business owner, I didn't keep the minimum balanced required for fee-free banking. Only after moving my personal accounts to CNB did I discover -- thanks to one of many one-on-one conversations with a banker -- that the fees associated with lower-balance business banking were low and totally worth paying in exchange for the overall customer experience. I've moved between cities several times and have thus worked with several banks. CNB has surprised me at every turn with their personal focus, variety of options, and willingness to provide a degree of consulting that empowers me to make better financial decisions. Did I mention that their online banking interface is awesome? I would recommend this bank to anyone.

A Small Bank That Makes A Difference

Posted by: Mazinde | Jun 2, 2011

Canandaigua National Bank is active in upstate New York, especially in the Rochester and Finger Lakes area. They have been in business since 1887, and have developed a reputation for individualized service and a broad range of offerings for individuals and businesses. They have 23 locations, and are active in a number of charitable organizations in the area within which they work. I have been banking with CN Bank for more than ten years now. They handle my checking and savings accounts, I have had loans with them as well as CDs. I would imagine that they offer just about any banking service that is required, but what makes them really stand out, for me, is the people. When I go to a branch for any reason, the tellers and other bank personnel are always courteous and polite. I was once a bank teller myself (not for them) and it can be a stressful job, but it's clear that the folks at CN Bank love what they do. They also get points for making banking easy to understand. Their monthly statements are easy to read and understand, and online banking is so simple with them that I almost enjoy paying bills. Almost. Although I can't vouch for the technical end of this, they seem to do everything in their power to make the online banking experience a secure and safe one, and I trust them. I've done my banking at large, impersonal corporate banks before and I much prefer the experience of working with a small bank in my hometown. If you reside in this area, I urge you to give them a try--you won't be sorry.

New Online Banking

Posted by: eval | Jan 17, 2012

CNB Launched a new online-banking system in November of 2011. Given the array of systems out there, I can't imagine where or who designed this cumbersome, slow and graceless system. My biggest complaint is the speed - because of my husband's work, we have Roadrunner Extreme - but with this site I have plenty of time to tap my fingers as I wait for a page to load - assuming it will. Like all "changeovers" there seem to have been some bumps, but most distressing is the missing data - like statements, check images, etc. 

So, it's slow and missing data, but if that isn't enough, there's the look of it: this site has all the grace and beauty of "early PC." It brings to mind a home-made data base for managing video store VHS tapes. It doesn't dovetail with the commericial end of the bank's website at all. In short, it's a clunker to look at. Then when you pull up past statments, the images are so small they're hard to read and there's no mechanism to increase the size - or to print or download them! 

I understand the bank was under the wire to secure their old site after a cyber-hacking bilked the town pf Pittsford out of more than $100,000 but surely there were other experts they could have approached - call Bank of America, M&T, Citibank, HSBC, any other bank! Find out who built their sites and hire them! 

It looks as unprofessional as it feels. Perhaps it's as strong as Fort Knox, but the speed and other issues will send me to a compeitor and I doubt I'm the only one who feels this way.


Health Grade Components

FDIC Certificate #6985
Year Established1887
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD12.63%
Annual Interest Income$22.1MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$2.61B$2.29B
LoansQ1 2017vs Q1 2016$1.97B$1.84B
DepositsQ1 2017vs Q1 2016$2.17B$1.91B
Equity CapitalQ1 2017vs Q1 2016$211.4MM$201.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$21.0MM$20.4MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$13.0MM$15.3MM
Real Estate OwnedQ1 2017vs Q1 2016$610.00K$743.00K
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The Canandaigua National Bank and Trust Company CD Rates

1.02%$500-26 Month CD Special With Optimum Checking Account
0.92%$500-26 Month CD Special With Other or No Relationship
0.52%$500-13 Month CD Special With Optimum Checking Account
0.42%$500-13 Month CD Special With Other or No Relationship

The Canandaigua National Bank and Trust Company has 24 locations. Click to view all The Canandaigua National Bank and Trust Company locations.