CANANDAIGUA, NY · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$5.5B
Total Deposits
$4.5B
Net Loans
$3.9B
Net Income
$18M
ROA
1.34%
Above avg for Community banks. Peer avg: 0.90%
ROE
15.62%
Risk-Based Capital
13.38%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 895 | 80.22% | 13.41% |
| 2023 | 902 | 78.71% | 13.30% |
| 2022 | 873 | 71.36% | 18.90% |
| 2021 | 868 | 78.46% | 13.71% |
| 2020 | 725 | 76.83% | 16.55% |
| 2019 | 775 | 75.23% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2024 | Satisfactory | Large Bank |
| Sep 2021 | Satisfactory | Large Bank |
| Sep 2018 | Satisfactory | Large Bank |
8 previous ratings locked — back to 1993
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Total Branches
26
Branch Deposits
$4.2B
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 17.03% |
| 2018 | 628 | 71.82% | 22.93% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red