🏦Bank Scorer

This institution is no longer active

Operations ceased on November 8, 2002. CRA examination history below reflects the period it was active.

CAYUGA BANK

AUBURN, NY · Supervised by FDIC

Est. 1865FDIC #15,956RSSD: FDIC-15956
Part ofFIRST NIAGARA FINL GROUP MHC→ View all charters
Satisfactory Same

Current rating · Exam: December 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

109-115 Genesee Street, AUBURN, NY

County

Cayuga County

Established

January 1, 1865

Total Assets

$611M(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

December 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2002Call Report / FDIC

Total Assets

$611M

Total Deposits

$470M

Net Loans

$380M

Net Income

$5M

ROA

1.06%

ROE

8.34%

Risk-Based Capital

12.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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