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Chemung Canal Trust Company

Elmira, NY · Cert 597 · Chemung Financial Corp.

State charter, Fed member · FED · 30 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chemung Canal Trust Company

Elmira, NY · Cert 597 · Chemung Financial Corp.

State charter, Fed member · FED · 30 branches

Q2 2026

$2.8BAssets
$2.4BLoans
$2.4BDeposits
$304.5MEquity
Loan mix
81%RE $1.9B13%C&I $0.3B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $1.7B29%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.41%Q2 ’244.50%Q2 ’254.85%Q2 ’26+12%+25%

Non-interest income vs. expense

2.27%Q2 ’242.36%Q2 ’252.54%Q2 ’260%+13%

Market Position · Elmira, NY · 2026 SOD (annual) · 60.0% share · #1 of 5 inst. · $0.8B of $1.3B

60.0% Chemung
1.9% Albany
75.2% Schuyler
10.6% Steuben

Executive Summary

  • Earnings: ROA of 1.40%, up 141 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.38% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.38%, up 131 bps from a year ago.
  • Funding: loans stand at 99.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+141 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+71 bps YoY

Efficiency Ratio (YTD, annualized)

58.10%-604 bps YoY

Tier 1 Leverage Ratio

11.38%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.01%0.40%0.60%1.44%1.40%+141 bps
Return on Equity-0.10%4.56%6.61%13.45%13.04%+1,314 bps
Net Interest Margin2.86%3.16%3.28%3.55%3.58%+71 bps
Efficiency Ratio64.13%62.38%61.22%56.04%58.10%-604 bps
Non-Interest Burden1.52%1.63%1.65%1.60%1.71%+19 bps
Growth
Asset Growth (YoY)3.52%-2.83%-2.37%-1.73%-1.14%-465 bps
Loan Growth (YoY)6.10%8.70%9.67%10.32%11.01%+490 bps
Deposit Growth (YoY)2.39%-3.56%-5.06%-4.70%-4.39%-677 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.35%0.35%0.33%0.38%0 bps
Net Charge-Offs / Loans0.12%0.08%0.08%-0.02%0.01%-11 bps
Allowance / Loans1.06%1.07%1.07%1.08%1.06%0 bps
Allowance Coverage of NPLs2.8x3.1x3.1x3.3x2.8x0.0x
Capital
Tier 1 Leverage Ratio10.07%10.85%11.10%11.26%11.38%+131 bps
Total Risk-Based Capital14.58%14.88%14.80%14.97%14.96%+38 bps
Equity / Assets9.35%10.29%10.61%10.79%10.80%+145 bps
Liquidity & Funding
Loans / Deposits86.08%93.08%99.66%99.65%99.93%+1,386 bps
Liquid Assets / Assets9.99%2.81%1.03%0.96%1.62%-837 bps
CRE / Total Capitaln/a448%452%457%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Chemung Canal Trust Company

Elmira, NY · Cert 597 · Peer group: banks $1B-$10B in assets (n=322-328) · Chemung Financial Corp.

State charter, Fed member · FED · 30 branches

Q2 2026

$2.8BAssets
$2.4BLoans
$2.4BDeposits
$304.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 64% of banks $1B-$10B in assets (rank 117 of 328).
  • Widest gap: net charge-offs / loans trails 58% of banks $1B-$10B in assets (rank 188 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.37%

Rank 117 of 328

Net Interest Margin

3.58%

Rank 134 of 328

Efficiency Ratio

58.10%

Rank 146 of 328

Equity / Assets

10.80%

Rank 137 of 328

Non-interest income vs. expense

$23.5M$71.8MINCOMEEXPENSE
Unfavorable gap of $48.3M · efficiency ratio beats 56% of banks $1B-$10B in assets
Bank 58.10%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.91%1.22%1.52%Beats 64%117 / 328
Return on Equity12.69%8.43%11.45%14.43%Beats 59%134 / 328
Net Interest Margin3.58%3.03%3.45%3.83%Beats 59%134 / 328
Efficiency Ratio58.10%51.61%59.56%67.53%Beats 56%146 / 328
Asset Quality
Nonperforming Loans / Loans0.38%0.24%0.51%1.03%Beats 63%119 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 42%188 / 322
Capital
Tier 1 Capital Ratio13.84%11.75%13.15%15.47%Beats 60%131 / 328
Total Risk-Based Capital Ratio14.96%12.63%14.15%16.46%Beats 62%126 / 328
Equity / Assets10.80%9.15%10.33%12.01%Beats 58%137 / 328
Liquidity & Funding
Loans / Deposits99.93%76.63%87.92%95.36%85th pctl47 / 323
Loans / Assets84.08%65.18%74.15%79.98%89th pctl37 / 328
Brokered Deposits / Depositsn/aNot reported for this institution