# CAYUGA LAKE NATIONAL BANK
UNION SPRINGS, NY · FDIC certificate 6954 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $273.7M | |
| Deposits | $249.1M | |
| Loans and leases | $175.2M | |
| Total equity | $21.7M | |
| Loans / deposits | 69.48% (p44 of band) | 73.59% |
| Liquid assets / assets | 33.61% (p52 of band) | |
| Uninsured deposits / deposits | 26.06% (p72 of band) | 19.81% |
| Brokered deposits | 2.91% | |
| Wholesale funding | 3.72% (p67 of band) | |
| FHLB advances / assets | 0.81% | |
| Tier 1 leverage | 9.30% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -27.48% (p16 of band) | -6.57% |
| AOCI / equity | 2.28% (p99 of band) | |
| ROA (annualized) | 0.60% (p21 of band) | 1.17% |
| Net interest margin | 2.99% (p12 of band) | 3.93% |
| Efficiency ratio | 83.40% (p83 of band) | |
| Noncurrent loans | 2.46% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p77 of band) | |
| Reserve coverage of noncurrent | 50.16% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 3.48% (p26 of band) | |
| Auto loans | $2.7M (1.55% of loans; DQ 1.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking |
| 2019-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2019-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | capital falling, reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 4 | charge-offs p90, reserve under noncurrent | capital falling |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity, noncurrent p90 | NIM <2.5%, charge-offs p90 |
| 2025-03 | 2 |  | noncurrent p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 1 |  | securities losses >30% of equity, capital falling |

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

- 2026-02-04 [Poole joins Cayuga Lake National Bank - Tompkins Weekly](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSE1aMWdVQk5XVzdUNnFSS3FJZXJaQXVsYmh6SjNwNjFQdnJTdHVxc2FTdnlKWjJWMkdyZFdzd3ZLREF3UFdqWEh6MWExN3MwdTQzbnVrZ29WSVpURzd3R0lzZlBtT0NuQzMzeXFGRFlpWEVlTjNtbndRemRfQ1FhSldHVFhfWi1ZR1QtR1NnQQ?oc=5) · Tompkins Weekly
- 2026-03-23 [Ithaca Car Break-In Leads to $13.5K Fraud in Cayuga County - Finger Lakes Daily News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPQ2wyX1N5Y2dHTmlKQmVKMjBueUZyTzV3WlUxRm50OGhpNE5CVDZJYkVUVzR4NWNIRE9PdWdqTmFKMnd2OXVxZHpobll3U0JJQ3ZLV01OX2lsV180TDZPN2wxa0RMWGxzdVUyUElMX2dIeXdUT1lzZjMweWFyeUs4OWNYNjNPc1JPMkdGVTg4RnNvVjcwVVFZaGxTakItRUlmM2Z1YkUyZ1hQZzR0NzItdFJHSzBLOHVHYXdN?oc=5) · Finger Lakes Daily News
- 2026-03-24 [NYSP: Woman stole purse in Ithaca, withdrew over $13k - 607 News Now](https://news.google.com/rss/articles/CBMijwFBVV95cUxNaWtvcVJQQnp5ODEtWHhtYnluVUtuTVR3dElhTi1FTFJ2NmV4a1ZIS0V5N2d5QWxIZnVTM0VkZGU2aHo4S1RWRlpsSGVmc2ZDdS1TQVNvX0Fmb2ZkMHV0QXVibXh0SHNEdFVsYnJlNUY3c3JMWEJyU3hHdy1iVm0yRmdiaTNGM0xpLUdXb2dfWQ?oc=5) · 607 News Now
- 2021-07-08 [Lansing native to lead new bank branch in hometown - Ithaca Times](https://news.google.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?oc=5) · Ithaca Times
- 2026-03-24 [Police seek suspect in Cayuga County bank withdrawals using stolen ID - auburnpub.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNLWRCZmFVdHdmV3VDNy1HZWQ0bjlVRE1XWHlWd044MzZuRFhuMlFFYVhhU19LeFdwNVFIMU9HNmpKSjZQTWEyclk0YWk2ZVdEdFJOa0FKSFZUM0c0NTBWOERhajBvSXczYnZrZ0RZUzZKSE94MktwS3VtWkphNllpVHZDMVUycFcxWnlVQTFIeHlRanFvX2tQdURqNA?oc=5) · auburnpub.com
- 2023-04-20 [G. William Ryan Obituary (2018) - Auburn, NY - Syracuse.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQV1hXS24xcEFyYk5NbHlsaGRFUlROaWNnVW1XSzAtUUhVUDhnMDVlUi15TmNPWFhnZW84bDRySjFSS25zM2dKXy1zeTlPanpHeDhMdGJyeFR4LVkzSXV6bEZJV0ZGS2dzZjVsQmotOTVqajdnLTREZWtKeUtla1V6VUhhb0hURDNhWWt5TDZCelNlV1V4?oc=5) · Syracuse.com
- 2020-11-12 [Longtime members Finch, Martens depart Cayuga Lake National Bank board - auburnpub.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVnNfRXI2dmQ3dUxqRFdOSmhFaElVMlJlTS1JOUFlc0U2aDMtdnppaDdtM1lEMUpnODlRdmQyaVpLcDJNREtTUzFwd3hPTnJTSDNNU05TLXFlbkdnSWhxTjZkWGZMVkFzX19FeExka2ZrczB6WU0tQ2J6cVFkQnMyaUVGLXpUUGh6Z1NFOEk1a1dMRzFNRFE?oc=5) · auburnpub.com
- 2021-01-03 [Dan Gardner Obituary (1947 - 2021) - Auburn, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNYVdHOVA1cnZCaDVLOTRNNkpySTRvQkpidDRMS2NXRDVvUzVjdkpqb2kySzFZdU9GRThtTl9zOHVYNTFPa1BZZWRrTUotZ2ZBVDctaVZtT1N6Y0txeTVmM21ZaGJTT3h6VEtjYWRfREp0SDE0VEpXejE0eWl0VEV2V21JdUNJTm1NNU9QbmZnQzU?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6954 (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/42.json (key "6954", 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