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
Unfavorable gap of $11.4M · efficiency ratio beats 40% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.60% | 1.01% | 1.45% | Beats 41% | 374 / 629 | |
| Return on Equity | 11.54% | 5.38% | 9.30% | 13.28% | Beats 64% | 229 / 629 | |
| Net Interest Margin | 3.28% | 3.03% | 3.54% | 4.05% | Beats 36% | 401 / 629 | |
| Efficiency Ratio | 71.64% | 58.35% | 67.79% | 79.08% | Beats 40% | 378 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.46% | 1.20% | Beats 61% | 230 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 45% | 319 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.87% | 11.24% | 13.84% | 18.77% | Beats 20% | 502 / 629 | |
| Total Risk-Based Capital Ratio | 10.87% | 11.58% | 14.43% | 19.66% | Beats 17% | 521 / 629 | |
| Equity / Assets | 7.73% | 9.09% | 10.65% | 13.80% | Beats 10% | 567 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.50% | 67.24% | 80.90% | 93.48% | 36th pctl | 380 / 594 | |
| Loans / Assets | 65.63% | 53.31% | 67.71% | 78.15% | 45th pctl | 345 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |