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Canandaigua National Bank & Trust

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Responsible banking

Environmental responsibility

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Some evidence found of sustainable banking practices.Based on Bank.Green's evaluation
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Social impact

Where its loans go
Largest: business and commercial property, 35%
2 highlights
  • Above-average small business lending12% of its loans, compared with 11% for community banks
  • Above-average home lending33% of its loans, compared with 27% for community banks
From its public filings with the FDIC
See its social impact

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Services
  • Local branches

From public data

Social impact

Who Canandaigua National Bank & Trust lends to and where its deposits are held.

  • Above-average small business lending12% of its loans, compared with 11% for community banks
  • Above-average home lending33% of its loans, compared with 27% for community banks

Where its loans go

Its largest lending area is business and commercial property, at 35% of its loans.

Canandaigua National Bank & Trust
Community banks, for comparison
  • Homes 33%Community banks: 27%Mortgages and home equity loans on houses and other homes with one to four units.
  • Apartment buildings 8%Community banks: 8%Loans secured by apartment buildings with five or more homes.
  • Business and commercial property 35%Community banks: 43%Loans to businesses, and loans secured by offices, shops, warehouses and other commercial property.
  • Construction and land 4%Community banks: 8%Loans to build homes and other buildings, and to buy and prepare land for development.
  • Farms 0%Community banks: 8%Loans secured by farmland, and loans to farmers for crops, livestock and equipment.
  • Consumer loans (cars, cards, personal) 19%Community banks: 3%Car loans, credit card balances and other personal loans to households.
  • Other 0%Community banks: 3%All other lending, such as loans to other financial institutions, loans to governments and leases.
90%Loans as a share of depositsIts total loans divided by the deposits it holds. A higher share means more of its deposits are lent out. Above 100% means it also lends money raised in other ways.

Where its deposits are held

Share of its deposits held at branches in each state, across 28 offices, as of 30 June 2026.

By state

  1. New York100%

Largest places

  1. Rochester, NY28%
  2. Canandaigua, NY26%
  3. Pittsford, NY8%
  4. Webster, NY6%
  5. Victor, NY6%

This view is based on public information, including Canandaigua National Bank & Trust's quarterly filings with the FDIC (The Canandaigua National Bank and Trust Company, FDIC certificate 6985), the FDIC's Summary of Deposits and the CDFI Fund's list of certified institutions, as of 30 June 2026. Banks are compared with banks, and credit unions with credit unions. The lending figures show the loans held at the end of the quarter, so loans already sold are not included. This view is separate from the environmental responsibility rating and does not change it. It may be out of date, so please confirm details with the institution.