Elizabethtown, NY · Cert 7356 · Champlain Bank Corp.
National charter · OCC · 10 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.77% | 0.82% | 0.81% | 0.90% | +20 bps | |
| Return on Equity | 11.46% | 12.32% | 12.60% | 10.89% | 11.87% | +41 bps | |
| Net Interest Margin | 2.96% | 3.03% | 3.14% | 3.27% | 3.28% | +32 bps | |
| Efficiency Ratio | 72.96% | 71.16% | 70.80% | 71.88% | 71.64% | -132 bps | |
| Non-Interest Burden | 2.06% | 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 / Loans | 0.11% | 0.22% | 0.04% | 0.25% | 0.25% | +14 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.17% | 0.13% | 0.03% | 0.01% | -6 bps | |
| Allowance / Loans | 1.06% | 1.03% | 1.03% | 1.05% | 1.05% | -2 bps | |
| Allowance Coverage of NPLs | 9.4x | 4.7x | 27.4x | 4.2x | 4.1x | -5.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.08% | 10.21% | 10.56% | 10.70% | 10.87% | +80 bps | |
| Total Risk-Based Capital | 10.08% | 10.21% | 10.56% | 10.70% | 10.87% | +80 bps | |
| Equity / Assets | 6.27% | 6.72% | 7.57% | 7.36% | 7.73% | +145 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.39% | 73.54% | 78.40% | 73.68% | 73.50% | -589 bps | |
| Liquid Assets / Assets | 2.29% | 5.50% | 2.02% | 5.53% | 5.68% | +339 bps | |
| CRE / Total Capital | n/a | 374% | 365% | 364% | n/a | n/a | |