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Champlain National Bank

Elizabethtown, NY · Cert 7356 · Champlain Bank Corp.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

40

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

Champlain National Bank

Elizabethtown, NY · Cert 7356 · Champlain Bank Corp.

National charter · OCC · 10 branches

Q2 2026

$497.1MAssets
$326.2MLoans
$443.9MDeposits
$38.4MEquity
Loan mix
83%RE $271.0M6%C&I $19.5M11%Consumer $35.4MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $313.5M29%Noninterest $130.4MQ2 2025Q2 2026

NIM

4.20%Q2 ’244.27%Q2 ’254.43%Q2 ’26+10%+11%

Non-interest income vs. expense

2.46%Q2 ’242.47%Q2 ’252.68%Q2 ’26+2%+8%

Executive Summary

  • Earnings: ROA of 0.90%, up 20 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.25% of loans (+14 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.87%, up 80 bps from a year ago.
  • Funding: loans stand at 73.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+32 bps YoY

Efficiency Ratio (YTD, annualized)

71.64%-132 bps YoY

Tier 1 Leverage Ratio

10.87%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.77%0.82%0.81%0.90%+20 bps
Return on Equity11.46%12.32%12.60%10.89%11.87%+41 bps
Net Interest Margin2.96%3.03%3.14%3.27%3.28%+32 bps
Efficiency Ratio72.96%71.16%70.80%71.88%71.64%-132 bps
Non-Interest Burden2.06%2.05%2.11%2.23%2.23%+17 bps
Growth
Asset Growth (YoY)2.79%-0.46%2.56%0.74%1.58%-121 bps
Loan Growth (YoY)4.92%4.98%2.04%0.21%-3.16%-808 bps
Deposit Growth (YoY)9.21%5.99%2.69%-0.75%4.61%-461 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.22%0.04%0.25%0.25%+14 bps
Net Charge-Offs / Loans0.07%0.17%0.13%0.03%0.01%-6 bps
Allowance / Loans1.06%1.03%1.03%1.05%1.05%-2 bps
Allowance Coverage of NPLs9.4x4.7x27.4x4.2x4.1x-5.3x
Capital
Tier 1 Leverage Ratio10.08%10.21%10.56%10.70%10.87%+80 bps
Total Risk-Based Capital10.08%10.21%10.56%10.70%10.87%+80 bps
Equity / Assets6.27%6.72%7.57%7.36%7.73%+145 bps
Liquidity & Funding
Loans / Deposits79.39%73.54%78.40%73.68%73.50%-589 bps
Liquid Assets / Assets2.29%5.50%2.02%5.53%5.68%+339 bps
CRE / Total Capitaln/a374%365%364%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

Champlain National Bank

Elizabethtown, NY · Cert 7356 · Peer group: banks under $1B in assets (n=581-629) · Champlain Bank Corp.

National charter · OCC · 10 branches

Q2 2026

$497.1MAssets
$326.2MLoans
$443.9MDeposits
$38.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 64% of banks under $1B in assets (rank 229 of 629).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets (rank 567 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.89%

Rank 374 of 629

Net Interest Margin

3.28%

Rank 401 of 629

Efficiency Ratio

71.64%

Rank 378 of 629

Equity / Assets

7.73%

Rank 567 of 629

Non-interest income vs. expense

$2.3M$13.7MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 40% of banks under $1B in assets
Bank 71.64%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.60%1.01%1.45%Beats 41%374 / 629
Return on Equity11.54%5.38%9.30%13.28%Beats 64%229 / 629
Net Interest Margin3.28%3.03%3.54%4.05%Beats 36%401 / 629
Efficiency Ratio71.64%58.35%67.79%79.08%Beats 40%378 / 629
Asset Quality
Nonperforming Loans / Loans0.25%0.09%0.46%1.20%Beats 61%230 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 45%319 / 581
Capital
Tier 1 Capital Ratio10.87%11.24%13.84%18.77%Beats 20%502 / 629
Total Risk-Based Capital Ratio10.87%11.58%14.43%19.66%Beats 17%521 / 629
Equity / Assets7.73%9.09%10.65%13.80%Beats 10%567 / 629
Liquidity & Funding
Loans / Deposits73.50%67.24%80.90%93.48%36th pctl380 / 594
Loans / Assets65.63%53.31%67.71%78.15%45th pctl345 / 629
Brokered Deposits / Depositsn/aNot reported for this institution