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Chemung Canal Trust Company, National Association
Elmira, NY · FDIC Certificate #597 · Chartered 10/2
Total assets
$2.82B
Total deposits
$2.37B
Total equity
$304.45M
Net loans
$2.34B
Branches (offices)
30
Net income (YTD)
$19.31M
Rank: #457 of 4,213 U.S. banks by assets · #34 of 115 in New York. Assets changed -1.1% and deposits -4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 13.04% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 10.80% |
| Tier 1 leverage ratio | 11.38% |
| Uninsured deposits (share of deposits) | 31.4% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 98.9% |
| Real estate loans (share of loans) | 82.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.92B | 82.0% | |
| Commercial & industrial | $306.48M | 13.1% | |
| Consumer / individual | $115.30M | 4.9% | |
| Construction & development | $142.12M | 6.1% | |
| Agricultural | $305.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.44B | $2.19B | $14.34M | $166.54M |
| Jun 2023 | $2.67B | $2.39B | $12.89M | $167.55M |
| Jun 2024 | $2.75B | $2.42B | $12.14M | $194.03M |
| Jun 2025 | $2.85B | $2.48B | -$117.00K | $266.54M |
| Jun 2026 | $2.82B | $2.37B | $19.31M | $304.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $2.31B | 28 |
| Pennsylvania | $61.92M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.37B.
Similar-sized banks
Emprise Bank ($2.82B) · State Bank Of The Lakes, National Association ($2.81B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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