Bank · FDIC insured
Cayuga Lake National Bank
A $273.7M bank headquartered in Union Springs, NY, with 3 branches in New York. Best rates: CDs 3.50% and savings 0.20% APY.
Cayuga Lake National Bank Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#9 of 11 in Auburn, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cayuga Lake National Bank
Established in 1864, Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, New York.
The bank operates branch offices in Aurora and Lansing, providing consumer and commercial banking products to the Finger Lakes Region of Central New York and beyond.
- Headquarters
- 165 Cayuga St, Union Springs, NY 13160
- FDIC certificate
- 6954 ↗
Branches
3 branches in New York
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New York
3 branches
Auburn area · 2
- Cayuga Lake National BankMain office165 Cayuga St, Union Springs, NY 13160Directions
- Aurora Drive Thru Branch397 Main St, Aurora, NY 13026Directions
Ithaca area · 1
- Lansing Branch3077 N Triphammer Rd, Lansing, NY 14882Directions
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 | 9.30% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.46% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.60% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio9.30%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.46%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.60%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ 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 Cayuga Lake National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.