Bank of Cattaraugus

24 Main Street
Cattaraugus, NY 14719


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9406
Date Established 1882
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

Bank of Cattaraugus is an FDIC insured institution located in Cattaraugus, NY. It was founded in 1882 and has approximately $0.02 billion in assets.

For a more detailed analysis of Bank of Cattaraugus's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Cattaraugus’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks, Bank of Cattaraugus’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 47.72
Credit Card Loans 0.00
Consumer Auto Loans 6.04
Small Business Loans 10.31
Construction and Development Loans 0.91
Commercial Real Estate 10.31
Commercial and Industrial Loans 15.00
Farm Loans 0.00

Deposit Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Bank Of Cattaraugus, but see these great savings and CD rates:

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Loan Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank of Cattaraugus

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

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Rocket Mortgage
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4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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Third Federal Savings and Loans
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4.490 %
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PenFed Credit Union
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5.500 %
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Figure Home Equity Line
Figure Home Equity Line
5.490 %
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Note to Bank of Cattaraugus
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Financial Details

Bank of Cattaraugus Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Cattaraugus. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Cattaraugus U.S. Bank Average
4.21% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Bank of Cattaraugus had $87,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,936,000 in equity and $130,000 in loans loss reserves. That gives it a Texas Ratio of 4.21%.

Return on Equity
Bank of Cattaraugus U.S. Bank Average
5.6% 8.80%

Bank of Cattaraugus has a Return on Equity of 5.6% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Cattaraugus U.S. Bank Average
9.11% 12.29%

Bank of Cattaraugus has a Capitalization of 9.11% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Cattaraugus Balance Sheet Analysis

As of December 31, 2018, Bank of Cattaraugus had assets of $21,250,000, loans of $8,165,000, and deposits of $19,298,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.02 billion
Total deposits $0.02 billion
      Interest-bearing deposits $0.01 billion
      Deposits held in domestic offices $0.02 billion
      % insured (estimated) 82.65%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.02 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Cattaraugus

Branches and Savings

Is Bank Of Cattaraugus FDIC insured?

Yes. It is covered under FDIC Certificate #9406.

Why does Bank Of Cattaraugus pay such low interest on savings accounts?

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Why are Bank Of Cattaraugus CD rates not competitive?

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Is Bank Of Cattaraugus a commercial bank?


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Does Bank Of Cattaraugus offer mortgages?

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Does Bank Of Cattaraugus offer home equity lines of credit and home equity loans?

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Does Bank Of Cattaraugus offer personal loans?

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Background on The Bank

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