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The Canandaigua National Bank and Trust Company
Canandaigua, NY·FDIC Cert #6985·Charter: OCC·Est. 18871201.0·HC: CANANDAIGUA NATIONAL CORP
Total Assets
$5.3B
Q4 2025
Return on Assets
1.15%
-0.02%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.32%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%-0.02
ROE
13.90%-0.36
Efficiency
60.32%+0.85
Equity/Assets
0.00%+0.00
NPL Ratio
0.94%-0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.69%-2.12
Charge-offs
0.29%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 0.9 | 0.9 | 1.1 | 1.1 | 1.2 | 1.2 |
| ROE | 9.9 | 11.1 | 11.6 | 12.0 | 13.9 | 13.6 | 14.3 | 13.9 |
| Efficiency | 68.4 | 66.1 | 65.0 | 64.0 | 61.0 | 59.8 | 59.5 | 60.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 1.1 | 1.1 | 1.0 | 1.0 | 1.1 | 0.9 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.4 | 0.4 | 0.3 | 0.3 |
| Loan/Deposit | 98.5 | 100.0 | 99.9 | 94.0 | 90.4 | 92.5 | 90.8 | 88.7 |
Balance Sheet
Total Assets$5.3B
Total Deposits$4.4B
Total Loans$3.9B
Total Equity$458.0M
Profitability
ROA1.15%
ROE13.90%
Efficiency Ratio60.32%
Net Income$59.9M
Risk & Asset Quality
NPL Ratio0.94%
Charge-off Rate0.29%
Loan/Deposit88.69%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans