The Canandaigua National Bank and Trust Company

Overview / Commentary

www.cnbank.com

585-394-4260

72 South Main Street
Canandaigua, NY 14424

The Canandaigua National Bank and Trust Company is headquartered in CANANDAIGUA and is the 23^rd largest bank in the state of New York. It is also the 283^rd largest bank in the nation. It was established in 1887 and as of June of 2024, it had grown to 628 employees at 26 locations. The Canandaigua National Bank and Trust Company has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	6985
Year Established	1887
Employees	628
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	11.13%
Annual Interest Income	$120.1MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$4.93B$4.91B
Loans	Q2 2024vs Q2 2023	$3.71B$3.65B
Deposits	Q2 2024vs Q2 2023	$3.71B$3.6B
Equity Capital	Q2 2024vs Q2 2023	$390.2MM$362.6MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$37.1MM$34.1MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$28.8MM$11.4MM
Real Estate Owned	Q2 2024vs Q2 2023	$366K$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Canandaigua National Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$500k^*	$100k	Optimum Money Market Account
OTHER TIERS: 0.05% → $2.5k - $50k \| 0.25% → $50k - $100k \| 0.50% → $100k - $500k

The Canandaigua National Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$500	-	8 Month CD Special With Optimum Checking Account
4.15%	$500	-	8 Month CD Special With Other/No Checking Account
4.00%	$500	-	17 Month Special CD With Optimum Checking Account
3.90%	$500	-	17 Month Special CD With Other/No Checking Account
3.00%	$500	-	25 Month CD Special With Optimum Checking Account
2.90%	$500	-	25 Month CD Special With Other/No Relationship

Locations

Availability

Rochester Area

Rochester Area bank & credit union details

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