The Canandaigua National Bank and Trust Company


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.

Deposit Rates - December 22, 2024

CD RATES APY MIN
Special: 8 Mo CD
0.40% $500 Compare
Special: 15 Mo CD
0.48% $500 Compare
Special: 31 Mo CD
0.63% $500 Compare

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6985
Date Established 1887
Assets $ 4.93 billion
Loans $ 3.71 billion
Deposits $ 3.71 billion
Capital $ 390.29 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 136.35 million
Interest-bearing balances $ 87.02 million
Total securities $ 926.96 million
Federal funds sold and reverse repurchase $ 0.27 million
Net loans and leases $ 3.71 billion
Loan loss allowance $ 37.09 million
Trading account assets $ 24.40 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.37 million
Goodwill and other intangibles $ 11.31 million
All other assets $ 65.56 million
     Total Assets $ 4.54 billion

LIABILITIES
Total deposits $ 3.71 billion
      Interest-bearing deposits $ 2.89 billion
      Deposits held in domestic offices $ 3.71 billion
      % insured (estimated) 67.96%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 24.40 million
Other borrowed funds $ 386.52 million
Subordinated debt N.A.
All other liabilities $ 33.90 millionn
      Total Liabilities $ 4.54 billion
      Shareholders’ Equity $ 390.29 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 120.12 million
Total Interest Expense $ 53.90 million
Net interest income $ 66.23 million
Provision for loan and lease losses $ 3.39 million
Total non interest income $ 25.47 million
Total non interest expense $ 60.57 million
Pre-tax Net Operating Income $ 33.50 million

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Branches

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The Canandaigua National Bank and Trust Company Locations