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
Unfavorable gap of $48.3M · efficiency ratio beats 56% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.91% | 1.22% | 1.52% | Beats 64% | 117 / 328 | |
| Return on Equity | 12.69% | 8.43% | 11.45% | 14.43% | Beats 59% | 134 / 328 | |
| Net Interest Margin | 3.58% | 3.03% | 3.45% | 3.83% | Beats 59% | 134 / 328 | |
| Efficiency Ratio | 58.10% | 51.61% | 59.56% | 67.53% | Beats 56% | 146 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.24% | 0.51% | 1.03% | Beats 63% | 119 / 322 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 42% | 188 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.84% | 11.75% | 13.15% | 15.47% | Beats 60% | 131 / 328 | |
| Total Risk-Based Capital Ratio | 14.96% | 12.63% | 14.15% | 16.46% | Beats 62% | 126 / 328 | |
| Equity / Assets | 10.80% | 9.15% | 10.33% | 12.01% | Beats 58% | 137 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 99.93% | 76.63% | 87.92% | 95.36% | 85th pctl | 47 / 323 | |
| Loans / Assets | 84.08% | 65.18% | 74.15% | 79.98% | 89th pctl | 37 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |