Canandaigua Nb&T Co (FDIC #6985): Bank Stress & Real-Estate Credit Exposure
Canandaigua Nb&T Co (FDIC Cert #6985): bank stress 69/100, elevated, STABLE over 7 days; parent CANANDAIGUA NATIONAL CORP.
Canandaigua Nb&T Co (#6985) lends in 3 counties across 1 state; Canandaigua Nb&T Co (#6985) reaches 134 ZIP codes: New York 3 counties, 134 ZIPs.
Canandaigua Nb&T Co (#6985) largest markets: Onondaga County, NY (116 branches, 58 ZIPs) (#6985), Monroe County, NY (936 branches, 52 ZIPs) (#6985), Ontario County, NY (216 branches, 27 ZIPs) (#6985).
Canandaigua Nb&T Co (#6985) reports $5.41 billion in total assets; Canandaigua Nb&T Co (#6985) equity $479.5 million (8.9% of Canandaigua Nb&T Co (#6985) assets); Canandaigua Nb&T Co (#6985) domestic deposits $4.56 billion; Canandaigua Nb&T Co (#6985) net income $34.4 million; Canandaigua Nb&T Co (#6985) return on assets 1.27%; Canandaigua Nb&T Co (#6985) return on equity 14.71%; Canandaigua Nb&T Co (#6985) net interest income $91.6 million; Canandaigua Nb&T Co (#6985) call report June 30, 2026.
Canandaigua Nb&T Co (#6985) noncurrent real-estate loans 0.01% of its book; Canandaigua Nb&T Co (#6985) residential 0.02%; Canandaigua Nb&T Co (#6985) net charge-offs on real estate 1.12%; Canandaigua Nb&T Co (#6985) multifamily charge-offs 4.64%; Canandaigua Nb&T Co (#6985) residential charge-offs 0.42%.
Canandaigua Nb&T Co (#6985) net interest margin 3.53% against an eight-quarter Canandaigua Nb&T Co (#6985) average of 3.23% (Canandaigua Nb&T Co (#6985) compression -0.30 points); Canandaigua Nb&T Co (#6985) real-estate loans 1.5% of equity; Canandaigua Nb&T Co (#6985) non-residential real estate 42.0% of equity; Canandaigua Nb&T Co (#6985) rate-exposure score 40/100, Canandaigua Nb&T Co (#6985) fixed-rate trap 40/100; Canandaigua Nb&T Co (#6985) risk type credit driven; Canandaigua Nb&T Co (#6985) rate regime rates elevated, Canandaigua Nb&T Co (#6985) snapshot October 19, 2026.
Canandaigua Nb&T Co (#6985) stress score moved from 67.7 on June 22, 2026 to 69 on October 19, 2026; Canandaigua Nb&T Co (#6985) ranged 67.7 to 69 over 116 snapshots.
Canandaigua Nb&T Co (#6985) alerts: 3 counties; top Canandaigua Nb&T Co (#6985) alert scores: Syracuse County, NY 25 (low); Victor County, NY 25 (low); Webster County, NY 25 (low).