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Regulatory profile
Canandaigua, NY · FDIC certificate #6985 · RSSD 161602
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $5.4B | $4.6B | $4.0B | 1.27% | 14.71% | 3.53% |
| 2026-03-31 | $5.5B | $4.5B | $3.9B | 1.34% | 15.62% | 3.50% |
| 2025-12-31 | $5.3B | $4.4B | $3.9B | 1.15% | 13.90% | 3.33% |
| 2025-09-30 | $5.3B | $4.2B | $3.9B | 1.17% | 14.26% | 3.28% |
| 2025-06-30 | $5.2B | $4.2B | $3.9B | 1.11% | 13.59% | 3.22% |
| 2025-03-31 | $5.1B | $4.2B | $3.8B | 1.13% | 13.94% | 3.17% |
| 2024-12-31 | $5.0B | $4.0B | $3.8B | 0.94% | 11.96% | 2.95% |
| 2024-09-30 | $5.0B | $3.7B | $3.7B | 0.91% | 11.58% | 2.88% |
| 2024-06-30 | $4.9B | $3.7B | $3.7B | 0.87% | 11.13% | 2.80% |
| 2024-03-31 | $4.9B | $3.7B | $3.7B | 0.76% | 9.91% | 2.77% |
| 2023-12-31 | $4.9B | $3.6B | $3.7B | 0.96% | 13.02% | 2.94% |
| 2023-09-30 | $4.9B | $3.7B | $3.7B | 0.98% | 13.46% | 2.96% |
| 2023-06-30 | $4.9B | $3.6B | $3.7B | 1.07% | 14.59% | 2.99% |
| 2023-03-31 | $4.8B | $3.8B | $3.5B | 0.97% | 13.34% | 3.01% |
| 2022-12-31 | $4.7B | $3.8B | $3.4B | 1.09% | 14.48% | 3.36% |
| 2022-09-30 | $4.7B | $3.8B | $3.4B | 1.11% | 14.62% | 3.39% |
| 2022-06-30 | $4.6B | $3.8B | $3.3B | 1.11% | 14.23% | 3.36% |
| 2022-03-31 | $4.4B | $3.8B | $3.2B | 1.16% | 14.57% | 3.38% |
| 2021-12-31 | $4.2B | $3.5B | $3.2B | 1.10% | 12.74% | 3.40% |
| 2021-09-30 | $4.1B | $3.4B | $3.1B | 1.35% | 15.54% | 3.42% |
| 2021-06-30 | $4.0B | $3.3B | $3.1B | 1.42% | 16.25% | 3.37% |
| 2021-03-31 | $3.9B | $3.3B | $3.1B | 1.97% | 22.38% | 3.35% |
| 2020-12-31 | $3.6B | $3.0B | $3.0B | 1.22% | 13.28% | 3.40% |
| 2020-09-30 | $3.6B | $2.9B | $3.0B | 1.10% | 11.91% | 3.33% |
| 2020-06-30 | $3.5B | $2.9B | $2.9B | 1.02% | 10.86% | 3.44% |
| 2020-03-31 | $3.1B | $2.5B | $2.5B | 1.11% | 11.48% | 3.53% |
| 2019-12-31 | $3.0B | $2.4B | $2.4B | 1.40% | 14.45% | 3.66% |
| 2019-09-30 | $3.0B | $2.4B | $2.4B | 1.50% | 15.65% | 3.65% |
| 2019-06-30 | $2.9B | $2.3B | $2.4B | 1.52% | 15.90% | 3.64% |
| 2019-03-31 | $2.9B | $2.4B | $2.3B | 1.46% | 15.57% | 3.61% |
| 2018-12-31 | $2.8B | $2.2B | $2.3B | 1.39% | 15.40% | 3.61% |
| 2018-09-30 | $2.8B | $2.2B | $2.3B | 1.49% | 16.77% | 3.59% |
| 2018-06-30 | $2.8B | $2.2B | $2.3B | 1.32% | 14.98% | 3.54% |
| 2018-03-31 | $2.7B | $2.2B | $2.2B | 1.35% | 15.44% | 3.52% |
| 2017-12-31 | $2.6B | $2.2B | $2.1B | 0.91% | 10.89% | 3.43% |
| 2017-09-30 | $2.6B | $2.1B | $2.1B | 1.05% | 12.57% | 3.40% |
| 2017-06-30 | $2.6B | $2.1B | $2.0B | 1.03% | 12.38% | 3.36% |
| 2017-03-31 | $2.6B | $2.2B | $2.0B | 1.05% | 12.63% | 3.36% |
| 2016-12-31 | $2.5B | $2.1B | $1.9B | 1.01% | 11.62% | 3.51% |
| 2016-09-30 | $2.4B | $2.0B | $1.9B | 1.01% | 11.55% | 3.52% |
| 2016-06-30 | $2.3B | $2.0B | $1.9B | 1.00% | 11.26% | 3.54% |
| 2016-03-31 | $2.3B | $1.9B | $1.8B | 0.98% | 11.11% | 3.54% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unmatched RSSD entityRSSD 1133503 · 1985-05-31 to current
1967-12-15RSSD 919607 → 161602 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.