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Canandaigua National Bank and Trust Company

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Canandaigua National Bank and Trust Company Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Canandaigua National Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare Canandaigua National Bank and Trust Company rates to other rates in our database, including 12-month CD rates currently at 3.60%, 6-month CD rates at 2.78% and 3-month CD rates at 0.30%. Savings rates are at 0.10% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Canandaigua National Bank and Trust Company rates. MonitorBankRates evaluates the financial stability of Canandaigua National Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Rates were last updated on 04/17/2026.

Canandaigua National Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Canandaigua National Bank and Trust Company? Share your experience about Canandaigua National Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Canandaigua National Bank and Trust Company.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.59%

Excellent Lower than avg

Canandaigua National Bank and Trust Company

72 S Main St
Canandaigua, NY 14424

https://www.cnbank.com

Current Rate Availability

We do not have Canandaigua National Bank and Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Canandaigua National Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Canandaigua National Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Canandaigua National Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Canandaigua National Bank and Trust Company

Bank Holding Company CANANDAIGUA NATIONAL CORP

Address 72 S Main St, Canandaigua, NY 14424 · Ontario

Website https://www.cnbank.com

FDIC Certificate # 6985

Established 12/01/1887

FDIC Insurance Date 01/01/1934

Domestic Offices 26

Total Branches 26

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.59%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9834%

Return on Equity (ROE) 13.4600%

Non-Performing Loans (NPL) 0.17%

Total Assets $5,315,449,000

Total Deposits $4,384,014,000

Equity Capital $457,962,000

Net Income $59,890,000

Headquarters Canandaigua

Total Offices 26

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Canandaigua National Bank and Trust Company

Is Canandaigua National Bank and Trust Company a safe place to deposit money?

Yes, Canandaigua National Bank and Trust Company is considered a safe financial institution. With a Texas Ratio of 2.5934369137848%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Canandaigua National Bank and Trust Company operate?

Canandaigua National Bank and Trust Company currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Canandaigua National Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Canandaigua National Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Canandaigua National Bank and Trust Company offer online and mobile banking?

Most modern institutions like Canandaigua National Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnbank.com.