Cattaraugus County Bank
Little Valley, New York · FDIC Cert #12959
Cattaraugus County Bank is an FDIC-insured bank (Certificate #12959) with $368M in total assets and $321M in total deposits as of the Q2 2024 Call Report. Headquartered in Little Valley, New York, the bank maintains a Tier 1 capital ratio of 13.68% (Well-Capitalized) and a nonperforming loan ratio of 3.55%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cattaraugus County Bank (FDIC cert 12959) is a community bank — $368M in total assets, $321M in deposits, serving the Little Valley, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.68% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.55% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 32.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.70% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Cattaraugus County Bank carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cattaraugus County Bank
- Total Assets
- $368M
- Total Deposits
- $321M
- Tier 1 Capital Ratio
- 13.68%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.55%
- Liquidity Ratio
- 32.29%
- Return on Assets
- 0.70%
- Headquarters
- Little Valley, New York
- FDIC Certificate
- #12959
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cattaraugus County Bank holds a Tier 1 capital ratio of 13.68%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cattaraugus County Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cattaraugus County Bank shows strong financial health indicators. With $368M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cattaraugus County Bank Compares
Cattaraugus County Bank’s Health Score of 70 is 1 points below the New York state average of 71 across 130 FDIC-insured banks. Its 13.68% Tier 1 capital ratio is 0.3 points below the US banking industry average near 14%. The 3.55% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.70% is below the national ROA benchmark of ~1.1%. Among 1556 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Cattaraugus County Bank has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.68%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cattaraugus County Bank's Tier 1 capital ratio of 13.68% and nonperforming loan ratio of 3.55% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cattaraugus County Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12959). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cattaraugus County Bank holds $368M in total assets and $321M in total deposits. It is headquartered in Little Valley, New York (FDIC Certificate #12959).
Cattaraugus County Bank has a Tier 1 capital ratio of 13.68%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.55%, and the return on assets is 0.70%.
Yes. Cattaraugus County Bank is FDIC-insured (Certificate #12959). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cattaraugus County Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.