# BANK OF CATTARAUGUS
CATTARAUGUS, NY · FDIC certificate 9406 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $31.0M | |
| Deposits | $27.4M | |
| Loans and leases | $17.8M | |
| Total equity | $3.5M | |
| Loans / deposits | 63.99% (p36 of band) | 73.59% |
| Liquid assets / assets | 38.31% (p60 of band) | |
| Uninsured deposits / deposits | 16.81% (p38 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.32% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -5.95% (p53 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.10% (p46 of band) | 1.17% |
| Net interest margin | 6.19% (p99 of band) | 3.93% |
| Efficiency ratio | 78.69% (p76 of band) | |
| Noncurrent loans | 1.16% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 105.34% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 9.70% (p37 of band) | |
| Auto loans | $1.0M (5.78% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2018-09 | 0 |  | capital falling, reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | reserve under noncurrent |  |
| 2022-09 | 1 | capital falling | reserve under noncurrent |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2023-09 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2024-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2019-10-04 [Bank of Cattaraugus looks to the future while honoring the past - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPUnVqYnQ2WFNmUHNIdUZxUjgyMVdNY1hqQVladWFSQXlGcnVIbWFDZG1KLXNsTExVUHFBUWdPMUd2ZzU0cVNQUkEzX0NjZkMzUURUdm5tbUJlajctQk5salNUcWNDZG45OGh2bXoxeU5GRXd2ekoxaHE3Z1RQOGxIRkFsX1Y4V2MwVjB2MHItcXc5b1NES3F6clppMVd3U1lUUE90YQ?oc=5) · The Business Journals
- 2011-12-23 [The Bank Around the Corner (Published 2011) - The New York Times](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQSmpCM2swZWlacm9nY1BDand6NWs4cWE4cXpJTVpTSnEyY196eWpiQjdpLUVFWjdBc0NyYjB3OXpZNFA5eERwOEZXTDdEdmR2NzhiRm9XZURlaFRpXy1vdWNVYUpyYmtaZEp5c1JyXzlvc2ZqaUhFT01FWXpqZkhlcGRXbXlsMy11YlVDcXQ3Z0hZZm5hNGV3ZDRvRTBSN3JIYm9nOWVUcnNnbFhQaHA5X0oxTWNYb3BKdE0wOTJ2emFoZw?oc=5) · The New York Times
- 2012-05-15 [Small town bank puts people before profits - CBS News](https://news.google.com/rss/articles/CBMifEFVX3lxTE1KVDgtR0lMSmVpYW5VMFJsR3Z5UklfV2FtS0JGUjVNY1N2RjBtcVRCQXJkYUM3VzktVnNWN1FONV9jendKbGdKVlBKcWRMU1E1VW1CTVRuX2lDajBnV0JjM0loaUI0S1hBSXFOUF82Y3ZjWEIwWFVTTDlNWmM?oc=5) · CBS News
- 2025-03-29 [Village of Cattaraugus wins $10 million Downtown Revitalization award - Olean Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcUZkaUszRlBjZXQ3S1o4cjZBVlNNLVFFdTdfOGpfMDEzcUdZVlE5dWQ2cmVmRDJVWWs4UGlBYTlxNmQtN24wN2xTeFdRY2x5NDJ5S1Y2aHB1emlRQzJjby1uRV8yaFktbWkwaTYzbHdLTlRuZ1pDTk9SR3NCel9ZMVJhYVlUSzNwd0Zfcnpwam1CcU1OVlhnUkJGZ0hORS1wWnpxN21nbFRma1E?oc=5) · Olean Star
- 2023-07-16 [Patrick CULLEN Obituary (2023) - Cattaraugus, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOUmotY0dENUFyV3h2R3JzMXdNaXNTd2lrd04waEZ0WlJPUmZwOXhMRFA1Q0MycWxtRlducGhRSnhiTHZ2UEwwRVJPVkV6c0dHajYxZVNTRGxJejRoc3hwYU8wV1VPWWFDN0JNVVliOS1KNnVOLUxYTzI5bVNrWTNTc0NxdGFCeFc0S3VFMjhLLTR4aFU?oc=5) · legacy.com
- 2026-02-20 [Prospectus: Smaller banks get snapped up in wave of consolidation - buffalonews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQQ2RqMGxoM3p0dkxDZUIyTi1BS0pGSXFWVVZLTEl0ZXh3NkN1ejkxRHRveEZmYXNxcl9OZDFCbzlWN0lLQ3ZqUDNvZ0c4cTJCT2E1UFF1WWJKY2RCakk3cXUzWmhQaTBKTEt1VTdqdW03SnY5V1pkUjNKc0drS0hEVWFqZGlSb0M1LUFtSm51eXVuTzR1WDVhYg?oc=5) · buffalonews.com
- 2017-11-13 [Constance “Connie” Eileen (Cullen) Willett - - post-journal.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUnFVWHltOENWNzd2dVI5Y2lwZk5CTmsxM2NoV2wzODRrTjljQVkyZTY3X2h2bWFROVd2dE5lOXA0NEQwMkxQTVhCbVJ6bHBDZXJjcWZoRDlHM3pYUXMzNEVEYW44NjNKdzFjZEN4TkVEaG9mVmZvSDd2dnRhWnZsU21waVFCaHQwR1k2eEdwYjlrWE0?oc=5) · post-journal.com
- 2025-10-02 [RocketCup Revolution Rail Fest to feature pop-up rail bike rides - Olean Star](https://news.google.com/rss/articles/CBMipgFBVV95cUxPaS1tZk0wSHptNDFPZXB3TzhwTjVsUUFsX1pYdTZNTUpqZ3YxLTE3cHRiMWhRS2NOWlJzUEc5Z2xIZkZxNk1MSUVEWXJVWkg3dzkxZ1JWR0NuWlB1YlpUeWZmNERmNndfak1NZE5ZMFplRENOelRPYU1UVEhleGw0S2U5LU90Zk1HMjU1LUM2MEZnaVExQVFaSGd1Tnc5ZFZEa2ZvU2N3?oc=5) · Olean Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9406 (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/62.json (key "9406", 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.

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