Cayuga Lake National Bank is a bank based in Union Springs, New York, established in 1864, with $281 million in total assets across 3 branches. By Trust Grade it ranks 95th of 118 banks we track in New York. Its capital ratio of 7.4% trails most similarly sized banks (10th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.51% return on assets. No consumer complaints against Cayuga Lake National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cayuga Lake National Bank compares to New York peers
How we graded Cayuga Lake National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.4% capital ratio)
- Profitable (ROA 0.51%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cayuga Lake National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 397 Main St, Aurora, NY 13026
- 165 Cayuga St, Union Springs, NY 13160
- 3077 N Triphammer Rd, Lansing, NY 14882
Are deposits at Cayuga Lake National Bank insured?
Yes. Cayuga Lake National Bank is an FDIC-insured bank (FDIC certificate #6954). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cayuga Lake National Bank: frequently asked questions
Is Cayuga Lake National Bank a good bank?
Cayuga Lake National Bank earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (7.4% capital ratio); Profitable (ROA 0.51%).
Is Cayuga Lake National Bank FDIC-insured?
Yes. Cayuga Lake National Bank is a FDIC-insured bank (FDIC certificate #6954). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Cayuga Lake National Bank?
Cayuga Lake National Bank holds $281 million in total assets, ranking 95th of 118 banks we track in New York. It operates 3 branches.
Does Cayuga Lake National Bank have CFPB complaints?
No CFPB complaints against Cayuga Lake National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
