# CATTARAUGUS COUNTY BANK
LITTLE VALLEY, NY · FDIC certificate 12959 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $384.7M | |
| Deposits | $338.2M | |
| Loans and leases | $217.2M | |
| Total equity | $38.8M | |
| Loans / deposits | 63.63% (p17 of band) | 82.04% |
| Liquid assets / assets | 38.43% (p80 of band) | |
| Uninsured deposits / deposits | 16.43% (p17 of band) | 25.97% |
| Brokered deposits | 3.95% | |
| Wholesale funding | 4.49% (p55 of band) | |
| FHLB advances / assets | 0.54% | |
| Tier 1 leverage | 11.26% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -14.34% (p33 of band) | -8.10% |
| AOCI / equity | -0.81% (p29 of band) | |
| ROA (annualized) | 0.71% (p18 of band) | 1.28% |
| Net interest margin | 4.21% (p67 of band) | 3.91% |
| Efficiency ratio | 74.20% (p81 of band) | |
| Noncurrent loans | 1.73% (p86 of band) | 0.43% |
| Net charge-offs (annualized) | 0.42% (p96 of band) | |
| Reserve coverage of noncurrent | 54.40% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 7.73% (p12 of band) | |
| Auto loans | $442,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 0 |  | leverage <7% |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 3 | capital falling, securities losses >30% of equity, reserve under noncurrent | uninsured deposits leaving |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-03 | 4 | expense ratio p90 |  |
| 2021-06 | 3 | capital falling | noncurrent p90, reserve under noncurrent |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | securities losses >30% of equity, expense ratio p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2022-12 | 4 |  | charge-offs p90 |
| 2023-03 | 1 |  | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |
| 2023-06 | 2 | charge-offs p90 |  |
| 2023-09 | 2 | brokered >10% | charge-offs p90 |
| 2023-12 | 3 | wholesale funding >15% |  |
| 2024-03 | 5 | capital falling, noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2024-06 | 3 |  | brokered >10%, capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | charge-offs p90, assets shrinking | noncurrent p90 |
| 2025-03 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 2 |  | assets shrinking, deposits shrinking |
| 2025-09 | 1 |  | uninsured deposits leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-24 [Credit issuers factor customer deposits into approval, limits - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1CSElMQVZnaGo3S09jdzlKQnRfU3ItUjN5WFFtZlpQMXM4YTIweFdmZ1pRQmhWQTJkWVhwZzhtVnZZbzBpdXNDNThuT1ZKS0ZZSnZSSUtmb0poenFwWno2SXVB0gFnQVVfeXFMUGFkNnVoMElmcWpGMFVuRkRMcTZ5N29TTmgtMTdVMkpYcm41QmxmcDFYOXJRZmRiQWh0am82TWVmci1JdUJ1UnhORHRyRDZaOVhXSkJ5WHNFT3hIcUpKUWhlTlVDZGtLWQ?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2026-07-26 [183rd Cattaraugus County Fair starts Saturday; presale tickets now available - Olean Star](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUDFCTFRDeTJBMThDTTZobDRzU244aVJzYnQza0FZTlU5MGVfbjBhZkVhb0tsdVV6MW5tc1JSWU85dU9hY0lrdlJKbENQOTVjdUZ4NktFWXJEZWo4Wno3QnBEX01zWFpRTFYzWEJ6bGZaMnNrUE1qek1TenowYWxmU3ZuRmhIcWYxTG5TV3AxMFpTZTNWNFBxZlFWcXJIb242OUVxQ09jSVBiY1VQNDRRN3JPamo?oc=5) · Olean Star
- 2021-12-20 [Dye joins Cattaraugus County Bank - - observertoday.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPbXM3SnhQOXJfU29SLUg3Sl94QnBkNGI1dm1Ma2NhWU03bi1KcGlTaF9QX21XRHFqc3FSMEJ1bVFtcUthVm15dUJsTldCeUF6aVNyM0g1SFJEQVVEd0JieXQ2SzJqcUZDblpxNEUzZjVvczVYeHZzQ3EzSmxQZ3VGS3RoUm1pMkQ5M1hmOVlZMA?oc=5) · observertoday.com
- 2018-03-30 [Cattaraugus County Bank CEO focused growth, technology, reviewing branches - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVUUxQWVQM3kwWHJheWY4TnZKb3UwOXQ2QUlwMWFVWlVHWkd4V0ttYXV4ZklySmJwYy1YTzF3RTJ5OXVZR3NaV1oxOUxmdVFyM3ItRmpvLVUwZWgzNXB6a08yNVo1QzhpemRwdm1fTDI0cFV0RzFuSjRNNkozMlVnbTlIWXNQYTdmNWlTVG1UVnBLc3dlVUpkbXp1Z0tLUnJY?oc=5) · The Business Journals
- 2019-02-08 [New Dunkirk Cattaraugus County Bank branch manager named - - observertoday.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQZVI0c256eGdtT210S01mR1IxeGllSXkzWi0xeEV0R3Rvajk0WS1YTVY3bmZxamo0eTI0VHBxbmxzUi0zcm9nbGZMUUxZRzRYN2xJUVM4MThDSWQ1WTRkbXVxSHBBVjNYZV9UZEp6cnlxUkwtZ2FReEhsRmJjT2VqSDhTckpES2RZTHR0aTJVY0xQVnlNM09IQWVXb0xpN2pUdHhTZkMxcEp1cUlEdVE?oc=5) · observertoday.com
- 2026-07-31 [Gates open Saturday morning for 183rd Cattaraugus County Fair; Friday last day for discount tickets - Olean Star](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPVFF0ZmZxLVREZ3h1ZDkzX1F6MHFSU0hhdVhUVktRaVBaQzVsWWFXTm9KRTNSMHM3M1BGQ18xUkM4MUJCN3U1ZFFGenJnME1YS2hIanVLb21GVVpXdFE2Vk9aNEJUOHRYa0lrVXRxZ0xaRWtoeGg2UVBITGxRMVhnR1NVc0xWajk1ZVIwS1JVV1FHbmNyWm13SF8ydVBhdDJxNVVRYjAxeU01MXhkZGdMaEZmUjdncmQ3M0t6Tm9nWF8xV0h5TEs0NFNoeGZqSWlrRGl3?oc=5) · Olean Star
- 2026-08-10 [Suntrust Online Banking Personal Sign On - Oma Erto](https://news.google.com/rss/articles/CBMid0FVX3lxTE1JbGZFZG8zbHVOVEwxeWxCTHprdS13RnZwSmotaWNOb1lrampoVUJtRnY4UTRqSFZPcXFnZ1R4ci1FZTJELVZVZ0c3N25jRWRZRTVkTUhoZk9NZVUwWUlRd1FRQnVXZndyTnpmUDY1Z0lNN2p5NWRR?oc=5) · Oma Erto
- 2024-01-08 [These bank branches opened and closed in WNY last year - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQcGk0WnlMTHIyME15c3NsUHJCbExhSEtSQ2F2dFlWN3FQbW53cnVyRU9zWkp1MEhuaklFV1g2TU1BbS1nWk53QUtOamJMb2lEQWlCOGtqMUh4Uklaazh6alJQWFNsT3JJMnhrdnpZcUdKZG0wc1A2ZXZLMFh0T29QTmNDOWQzTXlUaHVQUnRnTDJpbXJuQUdJMGlHTUNvbnZrU29rUjlfcjVCRXM?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12959 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "12959", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide