FDIC Cert #6954 · Union Springs, New York · Est. 1864

Cayuga Lake National Bank - FDIC Bank Health Profile

A community-scale look at Cayuga Lake National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$288M
Total assets
B
Health grade · Good
0.66%
Return on assets
17.4%
Tier 1 capital

Data updated July 2026

The verdict

Cayuga Lake National Bank earns a PlainBankData health grade of B (68/100), with well-capitalized at 17.42% Tier 1, 0.66% ROA, 80% efficiency ratio.

#2,552
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
17.42%
Tier 1 ratio - above the 10% well-capitalized line
22nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 6954 · NY B · 68/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (68/100)
  • MID-PACK #3170/4307
  • PHOTO-FINISH The Citizens Nationa… · OH
  • TIER1-WELL 17.4% Tier 1
  • TEXAS-HEALTHY 16.4% Texas
  • ROA-THIN 0.66% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: The Citizens National Bank of McConnelsville, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cayuga Lake National Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cayuga Lake National… · NY ·…68/100Citizens Bank & Trus… · MS ·…68/100Concordia Bank & Tru… · LA ·…68/100Northwestern Bank, N… · MN ·…68/100The Citizens Nationa… · OH ·…68/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cayuga Lake National Bank · July 2026

What Cayuga Lake National Bank's Call Report plate shows

Cayuga Lake National Bank (FDIC Cert #6954) carries a PlainBankData health grade of B at 68/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,170 of 4,307. Tier 1 capital prints at 17.42%, clearing the 10% well-capitalized line. The Texas Ratio is 16.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.66%. Balance-sheet scale is $288M, 2,552nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Citizens National Bank of McConnelsville (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cayuga Lake National Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Cayuga Lake National Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Cayuga Lake National Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Cayuga Lake National Bank's 68/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10068/100
Cayuga Lake National Bank's composite health score
Tier 1 Capital Ratio (17.42%) 40/40
Return on Assets (ROA) (0.66%) 14/25
Texas Ratio (16.44%) 10/20
Efficiency Ratio (79.68%) 4/15

68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$288M

Total balance-sheet footings

Total Deposits

$264M

Customer-funded liabilities

Net Loans

$173M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.02% 17.42% 18.82%
Basel III capital ratios - Cayuga Lake National Bank

Where Cayuga Lake National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cayuga Lake National Bank's score of 68/100 falls in the highlighted band.

Cayuga Lake National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

68 26th percentile higher than 26% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Cayuga Lake National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cayuga Lake National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cayuga Lake National Bank's $288M falls in the highlighted band.

Safety ratios for Cayuga Lake National Bank

Tier 1 capital ratio
Well-capitalized 10%

17.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.42%
Texas Ratio
16.44%
Equity Capital
$21M

What these ratios mean →

Profitability metrics: Cayuga Lake National Bank

Return on Assets (ROA)
22nd percentile nationally
0.66%
Return on Equity (ROE)
8.96%
Efficiency Ratio
79.68%

What these mean →

Income & expense at Cayuga Lake National Bank

$12M
Interest Income
$861K
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cayuga Lake National Bank reports a Texas Ratio of 16.44% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cayuga Lake National Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($288M here), outside New York so the neighborhood is not state containment.

The Pennsville National Bank $288M · NJ Farmers Bank $288M · AR Crawford County Trust and Savings Bank $287M · IA First National Bank of Pasco $287M · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cayuga Lake National Bank (FDIC Cert #6954) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Cayuga Lake National Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%