Cayuga Lake National Bank
Union Springs, NY
IDRSSD: 63201
Total Assets
$274.10M
Latest filing
Total Deposits
$249.13M
Latest filing
Net Interest Margin
2.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cayuga Lake National Bank
165 Cayuga St
Union Springs, NY 13160
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1864FDIC Certificate 4665
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cayuga Lake National Bank (Main) | 165 Cayuga St | Union Springs, NY |
| AURORA DRIVE THRU BRANCH | 397 Main St | Aurora, NY |
| LANSING BRANCH | 3077 N Triphammer Rd | Lansing, NY |
Showing 2 of 2
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1864 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13160 |
| State and County Number | 36011 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Auburn, NY |
Operational Info
| Number of Employees | 35 |
| Domestic Offices | 3 |
| 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.cayugalakenationalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 6954 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $274.10M |
| Total Deposits | $249.13M |
| Total Liabilities | $252.34M |
| Total Equity Capital | $21.76M |
| Net Income | $573.00k |
| Net Loans and Leases | $172.77M |
| Assets Per Employee ($Millions) | $8.57M |
| Bank Premises and Fixed Assets | $2.12M |
| Cash and Balances due from Depository Institutions | $13.37M |
| Deposits Held in Domestic Offices | $249.13M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 10.98% |
| Net Interest Margin | 2.98% |
| Efficiency Ratio | 79.94% |
| Tier 1 Risk-Based Capital Ratio | 18.239% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.938% |
| Earning Assets to total Assets | 95.83% |
Income and Expense
| Total Interest Income | $3.05M |
| Total Noninterest Income | $243.00k |
| Total Interest Expense | $1.08M |
| Total Noninterest Expense | $1.76M |
| Net Interest Income | $1.97M |
| Pre-tax Net Operating Income | $619.00k |
| Provision for Credit Losses | $-176,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.22M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $990.00k |
| Total Liabilities and Capital | $274.10M |
Securities
| Securities | $78.59M |
| Available-for-sale debt securities | $61.45M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $17.13M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cayuga Lake National Bank?
$274.10M as of the latest filing.
How much are Cayuga Lake National Bank's total deposits?
$249.13M in total deposits.
Where is Cayuga Lake National Bank located?
Union Springs, NY.
What is the Net Interest Margin?
2.98%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1864.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$172.77M (latest filing).
What is the total interest income (latest filing)?
$3.05M.