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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

4.24%Q2 ’244.36%Q2 ’254.47%Q2 ’26+12%+8%

Non-interest income vs. expense

2.44%Q2 ’242.50%Q2 ’252.68%Q2 ’26+5%+8%

Executive Summary

  • Earnings: ROA of 0.97%, up 23 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.25% of loans (+14 bps YoY), with net recoveries of 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 (quarter, annualized)

0.97%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.30%+25 bps YoY

Efficiency Ratio (quarter, annualized)

71.40%-19 bps YoY

Tier 1 Leverage Ratio

10.87%+80 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.92%0.95%0.81%0.97%+23 bps
Return on Equity12.18%14.10%13.35%10.89%12.90%+73 bps
Net Interest Margin3.05%3.22%3.33%3.27%3.30%+25 bps
Efficiency Ratio71.60%67.90%69.79%71.88%71.40%-19 bps
Non-Interest Burden2.08%2.05%2.20%2.23%2.25%+16 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 / Loans0.08%0.37%-0.01%0.03%-0.01%-10 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