Chemung Canal Trust Company
Chemung Canal Trust Company reported total assets of $2.8 bn at Q2 2026, down 1.1% on a year earlier, the 451st largest of 497 banks in our US coverage. The CET1 capital ratio at Chemung Canal Trust Company was 13.84%, and the uninsured share of Chemung Canal Trust Company was 31.40%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Chemung Canal Trust Company climbed from 515th to 211th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Over the year to , the net interest margin of Chemung Canal Trust Company rose by 0.75 pp to 3.84%, a bigger rise than at 98% of covered banks (FDIC Call Reports).
- Over the year to , the total deposits of Chemung Canal Trust Company fell by 4.4% to $2.4 bn, a bigger fall than at 96% of covered banks (FDIC Call Reports).
What sets Chemung Canal Trust Company apart
How large is Chemung Canal Trust Company?
The balance sheet of Chemung Canal Trust Company at : assets $2.8 bn, deposits $2.4 bn, net loans $2.3 bn (loans equal to 98.87% of deposits). Securities make up 9.7% of total assets at Chemung Canal Trust Company. Since , when Chemung Canal Trust Company held $1.6 bn, its assets grew 71.6%. In the year to , deposits at Chemung Canal Trust Company fell 4.4% while its total assets fell 1.1%. At , Chemung Canal Trust Company employed 357 full-time equivalent staff across 30 offices, about $7.9 mn of assets per employee and $79.0 mn of deposits per office.
How much funding at Chemung Canal Trust Company is uninsured?
At Chemung Canal Trust Company, uninsured deposits (above the FDIC limit) made up 31.40% of domestic deposits at (+3.40 pp on a year earlier); Chemung Canal Trust Company ranks 292nd of 500 on this measure. In dollars, Chemung Canal Trust Company estimated $744.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | -4.4% | 446th of 499 |
| Net loans and leases | $2.3 bn | +11.0% | 390th of 500 |
| Loan-to-deposit ratio | 98.87% | +13.71 pp | 70th of 500 |
| Tier 1 leverage ratio | 11.38% | +1.31 pp | 142nd of 500 |
| Total risk-based capital ratio | 14.96% | +0.38 pp | 168th of 448 |
| Net interest margin | 3.84% | +0.75 pp | 186th of 500 |
| Return on assets (ROA) | 1.40% | +1.41 pp | 195th of 500 |
| Efficiency ratio | 58.10% | -6.04 pp | 299th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $47.2 mn | Narrowed by $8.5 mn | |
| Noncurrent loans to total loans | 0.38% | +0.00 pp | 141st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.11 pp | 86th of 500 (1 = lowest) |
US rank of Chemung Canal Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Chemung Canal Trust Company: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.4bn
- Net loans $2.3bn
Capital and securities
The CET1 ratio of Chemung Canal Trust Company stood at 13.84% in , +0.35 pp year on year. Low and high at Chemung Canal Trust Company since : 10.05% () to 13.84% (). Equity capital of Chemung Canal Trust Company at : $304.5 mn, or 10.8% of total assets. Chemung Canal Trust Company also reported a total capital ratio of 14.96% for , and a tier 1 leverage ratio of 11.38%.
The available-for-sale portfolio of Chemung Canal Trust Company showed an unrealized loss of $47.2 mn at ; the loss narrowed by $8.5 mn over the year.
Chemung Canal Trust Company: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Chemung Canal Trust Company: unrealized securities gains and losses
- Available for sale -$47mn
- Held to maturity $0
Profitability and loan quality
For the year to , Chemung Canal Trust Company earned a return on equity of 13.04%; return on assets: 1.40%. Net interest margin at Chemung Canal Trust Company: 3.84%, +0.75 pp in a year. Chemung Canal Trust Company net income: $19.3 mn, down 16,604.3% year on year. The efficiency ratio of Chemung Canal Trust Company was 58.10%: about 58 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.38% of total loans at Chemung Canal Trust Company; net charge-offs: 0.01% of average loans. Gross loans and leases at Chemung Canal Trust Company: $2.4 bn, up 11.0% in a year.
Chemung Canal Trust Company: profitability
- Return on equity 13%
- Net interest margin 3.8%
- Return on assets 1.4%
Peer group of Chemung Canal Trust Company
The peer group of Chemung Canal Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Chemung Canal Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in New York. Against them, Chemung Canal Trust Company shows CET1 ratio 13.84% against a peer median of 12.95%, return on equity 13.04% against a peer median of 13.25% and uninsured deposit share 31.40% against a peer median of 24.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Habib American Bank | State nonmember bank | NY | $2.8 bn | 12.79% | 11.35% | 31.96% | |
| Medallion Bank | State nonmember bank | UT | $2.8 bn | 13.12% | 12.95% | 0.24% | |
| Emprise Bank | State nonmember bank | KS | $2.8 bn | 10.22% | 21.01% | 28.19% | |
| Chemung Canal Trust Company | National bank | NY | $2.8 bn | 13.84% | 13.04% | 31.40% | |
| State Bank of the Lakes | National bank | IL | $2.8 bn | 10.75% | 13.56% | 20.54% | |
| Bank of New Hampshire | State member bank | NH | $2.8 bn | 13.75% | 8.46% | 18.99% | |
| Orange Bank & Trust Company | State member bank | NY | $2.8 bn | 17.95% | 17.03% | 60.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Chemung Canal Trust Company, to : assets +1.6%, deposits -3.5%, equity +41.7%. Staff 325 to 357; offices 31 to 30.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.8 bn | $2.9 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.8 bn |
| Total deposits | $2.5 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.4 bn | $2.3 bn | $2.3 bn | $2.4 bn |
| Bank equity capital | $214.8 mn | $209.7 mn | $222.7 mn | $266.5 mn | $277.3 mn | $287.6 mn | $296.4 mn | $304.5 mn |
| CET1 ratio | 11.97% | 12.04% | 12.11% | 13.49% | 13.75% | 13.67% | 13.83% | 13.84% |
| Return on equity (ROE) | 12.18% | 12.00% | 11.33% | -0.10% | 4.56% | 6.61% | 13.45% | 13.04% |
| Uninsured share of domestic deposits | 28.86% | 27.17% | 28.32% | 28.00% | 31.25% | 29.94% | 30.34% | 31.40% |
| Full-time equivalent employees | 325 | 336 | 333 | 351 | 335 | 341 | 331 | 357 |
| Number of offices | 31 | 30 | 30 | 30 | 30 | 30 | 30 | 30 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Chemung Canal Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Chemung Canal Trust Company?
Chemung Canal Trust Company reported $2.8 bn at in its Call Report. That makes Chemung Canal Trust Company the 451st largest of 497 banks in our US coverage.
Is Chemung Canal Trust Company the same as its holding company?
No. This page covers Chemung Canal Trust Company, FDIC certificate 597; CHEMUNG FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Chemung Canal Trust Company profitable?
Chemung Canal Trust Company reported net income of $19.3 mn for the year to ; annualized return on equity: 13.04%. So yes: Chemung Canal Trust Company made a profit over these months.
When is data for Chemung Canal Trust Company next updated?
Figures from Chemung Canal Trust Company for are due after .
Where can I check the figures for Chemung Canal Trust Company?
In the FDIC BankFind Suite record for certificate 597, and in the Call Reports of Chemung Canal Trust Company (RSSD ID 884303) at the FFIEC Central Data Repository.