The Canandaigua National Bank and Trust Company
Canandaigua, NY
IDRSSD: 161602
Total Assets
$5.32B
Latest filing
Total Deposits
$4.38B
Latest filing
Net Interest Margin
3.48%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Canandaigua National Bank and Trust Company
72 S Main St
Canandaigua, NY 14424
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/01/1887FDIC Certificate 4677
Branches (25)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The Canandaigua National Bank and Trust Company (Main) | 72 S Main St | Canandaigua, NY |
| VICTOR BRANCH | 61 W Main St | Victor, NY |
| HOLCOMB BRANCH | 4 Main St | Bloomfield, NY |
| HONEOYE BRANCH | 8633 Main St | Honeoye, NY |
| LAKESHORE BRANCH | 709 S Main St | Canandaigua, NY |
| FARMINGTON BRANCH | 6183 Route 96 | Farmington, NY |
| SHORTSVILLE-MANCHESTER BRANCH | 119 South Main Street | Manchester, NY |
| MENDON BRANCH | 51 Assembly Dr | Mendon, NY |
Showing 7 of 25
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 | 12/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14424 |
| State and County Number | 36069 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Rochester, NY |
Operational Info
| Number of Employees | 613 |
| Domestic Offices | 26 |
| 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.cnbank.com |
| Data Updated | 01/30/2026 |
| CERT | 6985 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.32B |
| Total Deposits | $4.38B |
| Total Liabilities | $4.86B |
| Total Equity Capital | $458.03M |
| Net Income | $14.54M |
| Net Loans and Leases | $3.89B |
| Assets Per Employee ($Millions) | $8.52M |
| Bank Premises and Fixed Assets | $45.68M |
| Cash and Balances due from Depository Institutions | $334.60M |
| Deposits Held in Domestic Offices | $4.38B |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 12.92% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 62.71% |
| Tier 1 Risk-Based Capital Ratio | 12.305% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.616% |
| Earning Assets to total Assets | 96.36% |
Income and Expense
| Total Interest Income | $70.36M |
| Total Noninterest Income | $13.93M |
| Total Interest Expense | $26.04M |
| Total Noninterest Expense | $36.53M |
| Net Interest Income | $44.33M |
| Pre-tax Net Operating Income | $19.14M |
| Provision for Credit Losses | $2.59M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $816.00k |
| Other borrowed funds | $400.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $519.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $73.40M |
| Total Liabilities and Capital | $5.32B |
Securities
| Securities | $944.85M |
| Available-for-sale debt securities | $502.00M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $434.89M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Canandaigua National Bank and Trust Company?
$5.32B as of the latest filing.
How much are The Canandaigua National Bank and Trust Company's total deposits?
$4.38B in total deposits.
Where is The Canandaigua National Bank and Trust Company located?
Canandaigua, NY.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
26.
When was it established?
12/01/1887.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$3.89B (latest filing).
What is the total interest income (latest filing)?
$70.36M.