Canandaigua National Corporation operates as a bank holding company, overseeing The Canandaigua National Bank & Trust Company and Canandaigua National Trust Company of Florida, through which it delivers a comprehensive suite of banking and financial services. The institution provides a full spectrum of deposit products, including checking, savings, and certificates of deposit (CDs), along with debit and credit cards. Its diverse lending portfolio supports both businesses and individuals. For commercial clients, it offers industrial loans and lines of credit designed for working capital, business expansion (including real estate acquisition and improvements), and equipment purchases, in addition to commercial real estate loans. Residential customers can access mortgages for single-to-four-family homes, whether for construction, purchase, or refinancing, alongside home equity lines of credit and second mortgage options. The institution also provides indirect loans and a variety of personal financing options for items like automobiles, recreational vehicles, boats, aircraft, home improvements, and other personal needs. Beyond traditional banking, the corporation provides a range of specialized financial services, encompassing investment management, financial planning, trust and estate administration, retirement solutions, and insurance. For modern banking convenience, it offers cash management services, online, mobile, and text banking, bill payment, custodial services, payroll processing, workplace banking programs, and ATM access. Primarily serving individuals, businesses, and municipalities, its operational footprint covers Ontario and Monroe Counties in New York State. Founded in 1887, the company maintains its headquarters in Canandaigua, New York.