Elmira, NY · Cert 597 · Chemung Financial Corp.
State charter, Fed member · FED · 30 branches
Q2 2026
Market Position · Elmira, NY · 2026 SOD (annual) · 60.0% share · #1 of 5 inst. · $0.8B of $1.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.86% | 0.88% | -0.88% | 1.22% | 1.24% | 1.44% | 1.36% | +225 bps | |
| Return on Equity | 11.20% | 11.21% | 11.33% | -10.20% | 12.44% | 11.85% | 13.45% | 12.64% | +2,284 bps | |
| Net Interest Margin | 2.62% | 2.81% | 2.79% | 2.95% | 3.47% | 3.64% | 3.55% | 3.65% | +71 bps | |
| Efficiency Ratio | 67.83% | 68.10% | 64.87% | 63.44% | 59.21% | 58.13% | 56.04% | 60.08% | -336 bps | |
| Non-Interest Burden | 1.51% | 1.64% | 1.52% | 1.53% | 1.70% | 1.72% | 1.60% | 1.85% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 2.47% | 0.45% | 3.52% | -2.83% | -2.37% | -1.73% | -1.14% | -465 bps | |
| Loan Growth (YoY) | 5.09% | 5.01% | 4.70% | 6.10% | 8.70% | 9.67% | 10.32% | 11.01% | +490 bps | |
| Deposit Growth (YoY) | -0.91% | -1.48% | -2.06% | 2.39% | -3.56% | -5.06% | -4.70% | -4.39% | -677 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.43% | 0.47% | 0.38% | 0.35% | 0.35% | 0.33% | 0.38% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.11% | 0.05% | 0.19% | 0.02% | 0.09% | -0.02% | 0.03% | -16 bps | |
| Allowance / Loans | 1.06% | 1.03% | 1.07% | 1.06% | 1.07% | 1.07% | 1.08% | 1.06% | 0 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.4x | 2.3x | 2.8x | 3.1x | 3.1x | 3.3x | 2.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.83% | 8.98% | 9.07% | 10.07% | 10.85% | 11.10% | 11.26% | 11.38% | +131 bps | |
| Total Risk-Based Capital | 13.04% | 13.09% | 13.19% | 14.58% | 14.88% | 14.80% | 14.97% | 14.96% | +38 bps | |
| Equity / Assets | 7.74% | 7.56% | 7.96% | 9.35% | 10.29% | 10.61% | 10.79% | 10.80% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.59% | 86.28% | 86.08% | 86.08% | 93.08% | 99.66% | 99.65% | 99.93% | +1,386 bps | |
| Liquid Assets / Assets | 1.59% | 0.78% | 0.79% | 9.99% | 2.81% | 1.03% | 0.96% | 1.62% | -837 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 448% | 452% | 457% | n/a | n/a | |