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 Cayuga Lake National Bank
Cayuga Lake National Bank
| RSSD ID 63201 | CERTIFICATE 6954 | ABA NUMBER 21306547 |
| 165 Cayuga St |
Quarter Ended : |
2025-12-31 |
| Union Springs, New York, 13160 |
Updated : |
2026-01-30 |
| www.cayugalakenationalbank.com |
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| Institution Profile |
| Year Opened : |
1864 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
3 |
Number of Employees : |
38 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 287,613 |
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Total Interest Income | 12,242 |
| Total Liabilities | 266,487 |
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Total NonInterest Income | 861 |
| Total Bank Equity Capital | 21,126 |
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Total Interest Expense | 4,467 |
| Total Deposits | 263,666 |
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Total NonInterest Expense | 6,881 |
| Net Loans & Leases | 173,295 |
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Net Income | 1,835 |
| Loan Loss Allowance | 2,392 |
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Net Charge Offs | (104) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 27,993 |
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Total loans | 174,389 |
| Total assets for the leverage ratio | 279,284 |
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Loans secured by real estate: | 150,248 |
| Tier 1 Leverage Ratio | 9.35 |
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Commercial and industrial loans | 15,983 |
| Tier 1 Capital Ratio | 17.46 |
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Loans to individuals - Credit Cards | 295 |
| Total Capital Ratio | 18.72 |
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Loans to individuals - Other | 7,115 |
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:· Cayuga Lake National Bank
