Cayuga Lake National Bank

3 Cayuga Street
Union Springs, NY 13160

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6954
Date Established 1864
Assets $0.16 billion
Loans $0.07 billion
Deposits $0.14 billion
Capital $0.01 billion

Cayuga Lake National Bank is an FDIC insured institution located in Union Springs, NY. It was founded in 1864 and has approximately $0.16 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Cayuga Lake National Bank'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 Cayuga Lake National Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in New York, Cayuga Lake National Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 77.11
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.91
Small Business Loans 9.41
Construction and Development Loans 0.39
Commercial Real Estate 9.41
Commercial and Industrial Loans 4.85
Farm Loans 1.38

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $2,500 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.30% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.20% $10 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.35% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.20% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.20% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cayuga Lake National Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Cayuga Lake National Bank
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Branches

Cayuga Lake National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Cayuga Lake National Bank Locations

Financial Details

Cayuga Lake National Bank Ratio Analysis

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

Texas Ratio
Cayuga Lake National Bank U.S. Bank Average
1.05% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Cayuga Lake National Bank had $134,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,446,000 in equity and $368,000 in loans loss reserves. That gives it a Texas Ratio of 1.05%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Cayuga Lake National Bank U.S. Bank Average
11.05% 8.58

Cayuga Lake National Bank has a Return on Equity of 11.05% versus the BestCashCow average of 8.58. 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.

Capitalization
Cayuga Lake National Bank U.S. Bank Average
8.02% 12.11

Cayuga Lake National Bank has a Capitalization of 8.02% versus the BestCashCow average of 12.11. 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.

Cayuga Lake National Bank Balance Sheet Analysis

As of June 30, 2017, Cayuga Lake National Bank had assets of $155,188,000, loans of $69,741,000, and deposits of $139,764,000. 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.

Frequently Asked Questions About Cayuga Lake National Bank

Branches and Savings

Is Cayuga Lake National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6954.

Why does Cayuga Lake National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cayuga Lake National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cayuga Lake National Bank a commercial bank?

Yes

Where are Cayuga Lake National Bank locations?

See branch locations nearby.

Is Cayuga Lake National Bank open on Saturdays?

Is Cayuga Lake National Bank open on Sundays?

What time does Cayuga Lake National Bank open?

What time does Cayuga Lake National Bank close?

Are Cayuga Lake National Bank ATMs Open 24/7?

Do Cayuga Lake National Bank ATMs accept cash deposits?

Can Cayuga Lake National Bank customers use other ATMs?

Do Cayuga Lake National Bank branches have notaries?

Will Cayuga Lake National Bank notarize my document?

What address for Cayuga Lake National Bank should I put for incoming ACH transfers?

Will the Cayuga Lake National Bank branch print checks?

Do Cayuga Lake National Bank checks expire?

Does Cayuga Lake National Bank require US citizenship to open account?

Can Cayuga Lake National Bank close my account?

Does Cayuga Lake National Bank Report to credit bureaus?

Does Cayuga Lake National Bank Use Equifax?

What is Cayuga Lake National Bank's ACH Routing Number?

What is Cayuga Lake National Bank's SWIFT code?

Products

Does Cayuga Lake National Bank offer mortgages?

Compare mortgage rates here.

Does Cayuga Lake National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cayuga Lake National Bank offer personal loans?

Compare personal loan rates here.

Does Cayuga Lake National Bank offer student loans?

Will Cayuga Lake National Bank cash a check?

Will Cayuga Lake National Bank redeem a savings bond?

Does Cayuga Lake National Bank cash savings bonds?

Will Cayuga Lake National Bank cash money orders?

Can Cayuga Lake National Bank issue a money order?

Does Cayuga Lake National Bank do currency exchange?

Background on The Bank

Who owns Cayuga Lake National Bank?

How long has Cayuga Lake National Bank been around?

Can Cayuga Lake National Bank transfer to other banks?

Does Cayuga Lake National Bank have quick pay?

Does Cayuga Lake National Bank accept rolled coins?

Will Cayuga Lake National Bank accept loose change?

Where is Cayuga Lake National Bank headquarters?

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