🏦Bank Scorer

CATTARAUGUS COUNTY BANK

LITTLE VALLEY, NY · Supervised by FDIC

Est. 1902FDIC #12,959RSSD: FDIC-12959
Part ofC C BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

116 Main St, LITTLE VALLEY, NY

County

Cattaraugus County

Established

January 1, 1902

Total Assets

$379M(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

September 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$379M

Total Deposits

$333M

Net Loans

$219M

Net Income

$690K

ROA

0.73%

ROE

7.27%

Risk-Based Capital

16.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.20%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$320M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246181.97%8.20%
20237685.53%7.89%
202212676.19%11.90%
202114180.14%12.06%
202016977.51%11.24%
201911677.59%16.38%
201810978.9%12.84%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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