🏦Bank Scorer

BANK OF CATTARAUGUS

CATTARAUGUS, NY · Supervised by Federal Reserve (FRB)

Est. 1882FDIC #9,406RSSD: FRB-92902
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.15%

Institution Profile

FDIC BankFind

Address

24 Main St, CATTARAUGUS, NY

County

Cattaraugus County

Established

March 30, 1882

Total Assets

$35M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 3, 2023

Exam Type

Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$35M

Total Deposits

$31M

Net Loans

$17M

Net Income

$89K

ROA

1.15%

ROE

10.57%

Risk-Based Capital

19.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$26M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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