The real lending record — every figure from funded deals. HQ: 72 S Main St, Canandaigua, NY. 26 branches.
96
Recent deals (FY20+)
$208K
Typical deal
32 days
Approval → funding
0%
Failure rate (FY20–23)
Where The Canandaigua National Bank and Trust Company lends
Deal profile
Most The Canandaigua National Bank and Trust Company deals land between $90K and $500K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
1.Plumbing, Heating, and Air-Conditioning Contractors (7)
2.Full-Service Restaurants (5)
3.Residential Remodelers (4)
4.Offices of All Other Miscellaneous Health Practitioners (3)
5.Sheet Metal Work Manufacturing (2)
6.Support Activities for Oil and Gas Operations (2)
7.Other Building Material Dealers (2)
8.Manufacturing and Reproducing Magnetic and Optical Media (2)
Can The Canandaigua National Bank and Trust Company fund you? The bank behind the loans
Total assets
$5.5B
▲ 2.7% vs prior quarter
Deposits on hand
$4.5B
▲ 3.1% vs prior quarter
Loans outstanding
$3.9B
▲ 1.4% vs prior quarter
Net income (latest qtr)
$18.0M
•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes The Canandaigua National Bank and Trust Company more SBA-focused than 30% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 1.34% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Free · No obligation · Usually same-day
Get in touch with The Canandaigua National Bank and Trust Company
Tell us where to reach you and we'll arrange the introduction — to The Canandaigua National Bank and Trust Company or a comparable SBA specialist who fits your deal even better.
Walk into a The Canandaigua National Bank and Trust Company branch (26)
The Canandaigua National Bank And Trust CompanyMain office72 S Main StCanandaigua, NY 14424 · since 1887
Victor Branch61 W Main StVictor, NY 14564 · since 1957
Holcomb Branch4 Main StBloomfield, NY 14469 · since 1967
Honeoye Branch8633 Main StHoneoye, NY 14471 · since 1968
Lakeshore Branch709 S Main StCanandaigua, NY 14424 · since 1981
Farmington Branch6183 Route 96Farmington, NY 14425 · since 1982
Shortsville-Manchester Branch119 South Main StreetManchester, NY 14504 · since 1989
Mendon Branch51 Assembly DrMendon, NY 14506 · since 1989
Pittsford Bank Branch18 State StPittsford, NY 14534 · since 1995
Scroll for all 26 branches · Branch data: FDIC BankFind.
Recent deals
Zinot, LLCin Rochester, NY — $1.1M (2026) · purchase · Sheet Metal Work Manufacturing
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$831K (75%)
Approved
3/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Sheet Metal Work Manufacturing
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$123K
Est. cash at closing
$169K
Monthly payment
$12,727
Annual debt service
$153K
Cash flow needed (1.25×)
$191K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
DealRoom analysis of public lending records, FY2020–present. Not affiliated with The Canandaigua National Bank and Trust Company.
AI summary
The Canandaigua National Bank and Trust Company is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.
Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.
Find the bank most likely to fund your deal
The Canandaigua National Bank and Trust Company is one of 1,000+ SBA lenders on record — and they all have different appetites. Tell us your deal size, industry, and location, and we'll point you to the banks that fund deals like yours.
Free · No documents · Usually same-day
Webster Branch
1998 Empire Blvd
Webster, NY 14580 · since 1998
Chili Paul Plaza Branch3228 Chili AveRochester, NY 14624 · since 1999
Greece Branch2455 W Ridge RdRochester, NY 14626 · since 1999
Honeoye Falls Branch99 W Main StHoneoye Falls, NY 14472 · since 1999
Irondequoit Bank Office2128 Hudson AveRochester, NY 14617 · since 2000
Perinton Bank Branch6720 Pittsford Palmyra RdFairport, NY 14450 · since 2000
Rochester Bank Branch45 E Main StRochester, NY 14614 · since 2000
Basin Park Financial Center Branch1150 Pittsford Victor RdPittsford, NY 14534 · since 2000
Brighton Branch2075 Monroe AveRochester, NY 14618 · since 2002
Penfield Bank Branch1816 Penfield RdPenfield, NY 14526 · since 2004
Henrietta Branch Office Branch1225 Commons WayRochester, NY 14623 · since 2007
Alexander Park Branch210 Alexander StRochester, NY 14607 · since 2009
Webster Town Branch1155 Ridge RdWebster, NY 14580 · since 2010
Greece Latta Long Pond Branch3204 Latta RdRochester, NY 14612 · since 2011
College Town Bank Office Branch1341 Mount Hope AveRochester, NY 14620 · since 2015
Brockport Branch6660 4th Section RdBrockport, NY 14420 · since 2020
Geneva Bank Office Branch287 Hamilton StGeneva, NY 14456 · since 2021
Industry
Offices of All Other Miscellaneous Health Practitioners
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$20,396
Annual debt service
$245K
Cash flow needed (1.25×)
$306K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Offices of All Other Miscellaneous Health Practitioners
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,348
Annual debt service
$28K
Cash flow needed (1.25×)
$35K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Manufacturing and Reproducing Magnetic and Optical Media
If you were the buyer here
Est. deal size
$686K
Est. down payment (10%)
$69K
Est. cash at closing
$92K
Monthly payment
$7,822
Annual debt service
$94K
Cash flow needed (1.25×)
$117K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.