Bank · FDIC insured
Cattaraugus County Bank
A $384.7M bank headquartered in Little Valley, NY, with 7 branches in New York. Best rates: CDs 3.60% and savings 0.20% APY.
Cattaraugus County Bank Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#6 of 8 in Olean, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cattaraugus County Bank
Chartered in 1902 and based in Little Valley, New York, Cattaraugus County Bank was established after local investors acquired its predecessor, The Crissey and Crissey Bank.
The locally owned institution operates seven branches, serving all of the Southern Tier of Western New York.
- Headquarters
- 116 Main St, Little Valley, NY 14755
- FDIC certificate
- 12959 ↗
Branches
7 branches in New York
Loading map…
New York
7 branches
Olean area · 4
- Cattaraugus County BankMain office116 Main St, Little Valley, NY 14755Directions
- Randolph Branch42 Main St, Randolph, NY 14772Directions
- Salamanca Branch550 Broad St, Salamanca, NY 14779Directions
- South Dayton Branch517 Pine St, South Dayton, NY 14138Directions
Jamestown area · 2
- Dunkirk/Fredonia Branch1165 Main St, Dunkirk, NY 14048Directions
- Lakewood Branch Office284 East Fairmount Avenue, Lakewood, NY 14750Directions
Buffalo area · 1
- Springville Branch325 S Cascade Dr, Springville, NY 14141Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.26% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.73% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.71% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $64 | $81 | — |
- CapitalLeverage ratio11.26%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.73%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.71%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$64Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cattaraugus County Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.