Cattaraugus County Bank
Little Valley, NY
IDRSSD: 254504
Total Assets
$375.23M
Latest filing
Total Deposits
$328.95M
Latest filing
Net Interest Margin
4.73%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cattaraugus County Bank
116 Main St
Little Valley, NY 14755
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 8191
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cattaraugus County Bank (Main) | 116 Main St | Little Valley, NY |
| SOUTH DAYTON BRANCH | 517 Pine St | South Dayton, NY |
| RANDOLPH BRANCH | 42 Main St | Randolph, NY |
| SPRINGVILLE BRANCH | 325 S Cascade Dr | Springville, NY |
| DUNKIRK/FREDONIA BRANCH | 1165 Main St | Dunkirk, NY |
| SALAMANCA BRANCH | 550 Broad St | Salamanca, NY |
| LAKEWOOD BRANCH OFFICE | 284 East Fairmount Avenue | Lakewood, NY |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14755 |
| State and County Number | 36009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Olean, NY |
Operational Info
| Number of Employees | 67 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.countonccb.com |
| Data Updated | 01/30/2026 |
| CERT | 12959 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $375.23M |
| Total Deposits | $328.95M |
| Total Liabilities | $337.16M |
| Total Equity Capital | $38.08M |
| Net Income | $1.39M |
| Net Loans and Leases | $223.75M |
| Assets Per Employee ($Millions) | $5.52M |
| Bank Premises and Fixed Assets | $6.24M |
| Cash and Balances due from Depository Institutions | $31.91M |
| Deposits Held in Domestic Offices | $328.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 14.83% |
| Net Interest Margin | 4.73% |
| Efficiency Ratio | 69.1% |
| Tier 1 Risk-Based Capital Ratio | 14.912% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.148% |
| Earning Assets to total Assets | 92.96% |
Income and Expense
| Total Interest Income | $5.07M |
| Total Noninterest Income | $447.00k |
| Total Interest Expense | $995.00k |
| Total Noninterest Expense | $3.13M |
| Net Interest Income | $4.08M |
| Pre-tax Net Operating Income | $1.67M |
| Provision for Credit Losses | $-274,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $237.00k |
| Other borrowed funds | $2.06M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.14M |
| Total Liabilities and Capital | $375.23M |
Securities
| Securities | $97.77M |
| Available-for-sale debt securities | $82.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $16.23M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cattaraugus County Bank?
$375.23M as of the latest filing.
How much are Cattaraugus County Bank's total deposits?
$328.95M in total deposits.
Where is Cattaraugus County Bank located?
Little Valley, NY.
What is the Net Interest Margin?
4.73%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$223.75M (latest filing).
What is the total interest income (latest filing)?
$5.07M.