What are the current interest rates at Cattaraugus County Bank?

Current rates for Cattaraugus County Bank include: 12-Month CD: 3.20%, 18-Month CD: 3.10%, 24-Month CD: 2.80%

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Cattaraugus County Bank Rates & Review October 2026

Q: How many branches does Cattaraugus County Bank operate?

Cattaraugus County Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cattaraugus County Bank 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 and Verified: October 12, 2026

Cattaraugus County Bank's top rates as of October 12, 2026 are 3.60% APY on its 6-Months 6-Month CD Special, 7.625% on its 5/6-Month ARM (Portfolio) mortgage, and personal loans from 9.75% APR, according to rates verified by MonitorBankRates. Other Cattaraugus County Bank CD rates include 12-Months 12-Month CD Special at 3.50%, 6-Months 6-Month CD Special at 3.50%, and 12-Months 12-Month CD Special at 3.40%. Other Cattaraugus County Bank mortgage rates include 7/6-Month ARM (Portfolio) at 7.875%, 10/6-Month ARM (Portfolio) at 8.00%, and Portfolio Mortgages - 15 Years Loan at 7.75%. MonitorBankRates evaluates the financial stability of Cattaraugus County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.81%. Rates last updated and verified on 10/12/2026.

Cattaraugus County Bank 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 Cattaraugus County Bank? Share your experience about Cattaraugus County Bank by leaving a review below, or read customer reviews before you decide to use Cattaraugus County Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.81%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Cattaraugus County Bank

116 Main St
Little Valley, NY 14755

https://www.ccblv.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cattaraugus County Bank CD Rates

Product	Rate	APY	Term
6 Month CD Special	3.54%	3.60%	6 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
12 Month CD Special	3.44%	3.50%	12 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
6 Month CD Special	3.44%	3.50%	6 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
12 Month CD Special	3.34%	3.40%	12 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
18 Month CD Special	3.34%	3.40%	18 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
6 Month CD Special	3.34%	3.40%	6 months
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
12 Month CD Special	3.25%	3.30%	12 months
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
18 Month CD Special	3.25%	3.30%	18 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
6 Month CD Special	3.25%	3.30%	6 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
12 Month CD Special	3.15%	3.20%	12 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
18 Month CD Special	3.15%	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
18 Month CD Special	3.05%	3.10%	18 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
24 Month CD Special	3.05%	3.10%	24 months
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
24 Month CD Special	2.96%	3.00%	24 months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
24 Month CD Special	2.86%	2.90%	24 months
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
24 Month CD Special	2.76%	2.80%	24 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Cattaraugus County Bank Mortgage Rates

Product	Rate	Points	APR	Term
Portfolio Mortgages - 15 Years Loan	7.75%	1	8.06%	15 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.06% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 15 Years Loan	8.00%	0	8.148%	15 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 20 Years Loan	8.00%	1	8.254%	20 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 20 Years Loan	8.25%	0	8.372%	20 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 30 Years Loan	8.25%	1	8.452%	30 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 25 Years Loan	8.25%	1	8.473%	25 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.47% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 30 Years Loan	8.50%	0	8.597%	30 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Portfolio Mortgages - 25 Years Loan	8.50%	0	8.607%	25 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Cattaraugus County Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details WSJP Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Line of Credit (HELOC)	-	-	7.50%
Details WSJP + 0.50% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Line of Credit (HELOC)	-	-	8.00%
Details WSJP + 1.00% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Line of Credit (HELOC)	-	-	8.25%
Details WSJP + 1.25% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Term Loan	-	-	8.69%	12-60 months
Details Amount: $15,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Term Loan	-	-	8.99%	61-120 months
Details Amount: $15,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Term Loan	-	-	9.19%	121-180 months
Details Amount: $15,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Term Loan	-	-	9.39%	181-240 months
Details Amount: $25,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Term Loan	-	-	9.69%	12-60 months
Details Amount: $7,500-$14,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Equity Term Loan	-	-	9.99%	61-120 months
Details Amount: $7,500-$14,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Cattaraugus County Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	7.25%	36 months
Details Min. $2,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
New Auto Loans	-	-	7.50%	60 months
Details Min. $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00% Oct 8, 20267.50%▲ from 7.00% Sep 16, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
New Auto Loans	-	-	7.75%	72 months
Details Min. $2,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
New Auto Loans	-	-	8.00%	120 months
Details Min. $2,500 *AFT Req. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Cattaraugus County Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles Loan	-	8.25%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
New Recreational Vehicles Loan	-	8.50%	48 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
New Recreational Vehicles Loan	-	8.75%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Cattaraugus County Bank Personal Loan Rates

Product	APR	Term
Home Improvement Loan - Unsecured	9.75%	6-36 months
Details Amount: $2,500-$7,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Unsecured Personal Loan	10.00%	6-36 months
Details Amount: $2,500-$7,500 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Sep 24, 202610.00%▲ from 9.75% Sep 16, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Improvement Loan - Unsecured	10.75%	37-48 months
Details Amount: $5,000-$7,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Unsecured Personal Loan	11.00%	37-48 months
Details Amount: $5,000-$15,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 24, 202611.00%▲ from 10.75% Sep 16, 202610.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Home Improvement Loan - Unsecured	11.75%	49-60 months
Details Amount: $5,000-$7,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Unsecured Personal Loan	12.00%	49-60 months
Details Amount: $7,500-$15,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Sep 24, 202612.00%▲ from 11.75% Sep 16, 202611.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Cattaraugus County Bank Other Rates

Product	Rate	Points	APY/APR	Term
10/6-Month ARM (Portfolio)	8.00%	0	7.553%	30 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
5/6-Month ARM (Portfolio)	7.625%	0	6.916%	30 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.92% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
7/6-Month ARM (Portfolio)	7.875%	0	7.223%	30 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.22% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence	7.00%	0	7.204%	15 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.83% → 7.20% ▲ 0.38 pts · high 7.20% / low 6.83% Oct 1, 20267.20%▲ from 6.95% Sep 28, 20266.95%▲ from 6.83% Sep 16, 20266.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence	6.75%	1	7.111%	15 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.73% → 7.11% ▲ 0.38 pts · high 7.11% / low 6.73% Oct 1, 20267.11%▲ from 6.86% Sep 28, 20266.86%▲ from 6.73% Sep 16, 20266.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence	7.50%	0	7.667%	20 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.29% → 7.67% ▲ 0.38 pts · high 7.67% / low 7.29% Oct 1, 20267.67%▲ from 7.54% Sep 28, 20267.54%▲ from 7.29% Sep 16, 20267.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence	7.25%	1	7.545%	20 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.17% → 7.55% ▲ 0.38 pts · high 7.55% / low 7.17% Oct 1, 20267.55%▲ from 7.42% Sep 28, 20267.42%▲ from 7.17% Sep 16, 20267.17%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence	7.625%	0	7.756%	30 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.50% → 7.76% ▲ 0.26 pts · high 7.76% / low 7.50% Oct 1, 20267.76%▲ from 7.75% Sep 24, 20267.75%▲ from 7.50% Sep 16, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence	7.375%	1	7.604%	30 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.22% → 7.60% ▲ 0.38 pts · high 7.60% / low 7.22% Oct 1, 20267.60%▲ from 7.48% Sep 28, 20267.48%▲ from 7.22% Sep 16, 20267.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Cattaraugus County Bank’s Texas Ratio rose from 3.78% in Q3 2023 to 13.81% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$385M	13.81%	5.0	A
March 31, 2026	$379M	9.86%	5.0	A
December 31, 2025	$375M	12.61%	5.0	A
September 30, 2025	$367M	15.28%	5.0	A-
June 30, 2025	$365M	14.54%	5.0	A-
March 31, 2025	$358M	17.34%	4.8	B+
December 31, 2024	$355M	17.30%	4.8	B+
September 30, 2024	$371M	21.75%	4.4	B
June 30, 2024	$368M	30.28%	3.7	C-
March 31, 2024	$379M	30.88%	3.7	C-
December 31, 2023	$375M	3.41%	5.0	A+
September 30, 2023	$370M	3.78%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cattaraugus County Bank 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 Cattaraugus County Bank 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 Cattaraugus County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cattaraugus County Bank

Bank Holding Company C C BCORP INC

Address 116 Main St, Little Valley, NY 14755 · Cattaraugus

Website https://www.ccblv.com

FDIC Certificate # 12959

Established 19020101

FDIC Insurance Date 19340101

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.81%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7054%

Return on Equity (ROE) 7.0100%

Non-Performing Loans (NPL) 1.39%

Total Assets $384,681,000

Total Deposits $338,153,000

Equity Capital $38,751,000

Net Income $1,339,000

Headquarters Little Valley

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cattaraugus County Bank earned the Verified Healthy badge

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Frequently Asked Questions About Cattaraugus County Bank

How many branches does Cattaraugus County Bank operate?

Cattaraugus County Bank currently maintains approximately 7 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, Cattaraugus County Bank 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, Cattaraugus County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cattaraugus County Bank offer online and mobile banking?

Most modern institutions like Cattaraugus County Bank 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.ccblv.com.