The Canandaigua National Bank and Trust Company is an FDIC insured institution headquartered at
72 S Main St, Canandaigua, NY 14424.
It was founded in
1887 and has approximately $5 billion in assets. Customers can open an account at one of its 25 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 6985
Date Established
1887
Assets
$ 5.26 billion
Loans
$ 3.85 billion
Deposits
$ 4.24 billion
Capital
$ 441.56 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 333.05 million
Interest-bearing balances
$ 277.73 million
Total securities
$ 926.86 million
Federal funds sold and reverse repurchase
$ 0.27 million
Net loans and leases
$ 3.85 billion
Loan loss allowance
$ 36.79 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.94 million
Goodwill and other intangibles
$ 11.05 million
All other assets
$ 65.56 million
Total Assets
$ 4.82 billion
LIABILITIES
Total deposits
$ 4.24 billion
Interest-bearing deposits
$ 3.36 billion
Deposits held in domestic offices
$ 4.24 billion
% insured (estimated)"
63.62%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 386.52 million
Subordinated debt
N.A.
All other liabilities
$ 33.90 millionn
Total Liabilities
$ 4.82 billion
Shareholders’ Equity
$ 441.56 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 199.66 million
Total Interest Expense
$ 77.48 million
Net interest income
$ 122.19 million
Provision for loan and lease losses
$ 6.56 million
Total non interest income
$ 40.61 million
Total non interest expense
$ 96.81 million
Pre-tax Net Operating Income
$ 33.50 million
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The Canandaigua National Bank and Trust Company Locations
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