The Canandaigua National Bank and Trust Company is headquartered in Canandaigua, New York. It is a national bank (chartered by the OCC), established 12/01/1887 and insured by the FDIC since 01/01/1934. At the 06/30/2026 reporting date it held $5.4 billion in assets and $4.6 billion in deposits across 28 offices.
Size
By total assets it ranks #272 of 4,213 active FDIC-insured banks in the United States. Among the 115 FDIC-insured banks headquartered in New York it ranks #25.
Capital and earnings
| Equity capital | $479 million (8.9% of assets) |
|---|---|
| Net income, year to date | $34 million through 06/30/2026 |
| Return on assets (annualized) | 1.27% |
Equity capital is what the bank owns after subtracting its liabilities; a higher share of assets means a thicker cushion against losses. These are the bank’s own regulatory filings, not a rating or a recommendation.
Is it FDIC insured?
Yes. The Canandaigua National Bank and Trust Company holds FDIC certificate number 6985. Deposits are insured up to $250,000 per depositor, per insured bank, per ownership category. You can confirm this on the bank’s FDIC BankFind page.
Other large banks in New York
- Goldman Sachs Bank USA, $759 billion in assets
- The Bank of New York Mellon, $425 billion in assets
- Morgan Stanley Private Bank, National Association, $250 billion in assets
- Manufacturers and Traders Trust Company, $219 billion in assets
- Flagstar Bank, National Association, $87.7 billion in assets
- Bank of China, $48.5 billion in assets
Banks of a similar size
- Broadway National Bank, #270, $5.4 billion in assets
- Stride Bank, National Association, #271, $5.4 billion in assets
- City Bank, #273, $5.4 billion in assets
- Bridgewater Bank, #274, $5.4 billion in assets
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This page reports regulatory data only. It does not show the bank’s rates or products, which change often and are listed on the bank’s own site. cnbank.com