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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 $35.4MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $313.5M29%Noninterest $130.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.53%0.64%0.70%0.77%0.82%0.81%0.90%+20 bps
Return on Equity9.78%9.21%10.66%11.46%12.32%12.60%10.89%11.87%+41 bps
Net Interest Margin2.59%2.68%2.85%2.96%3.03%3.14%3.27%3.28%+32 bps
Efficiency Ratio76.70%78.10%74.40%72.96%71.16%70.80%71.88%71.64%-132 bps
Non-Interest Burden1.91%2.02%2.03%2.06%2.05%2.11%2.23%2.23%+17 bps
Growth
Asset Growth (YoY)8.28%0.07%2.00%2.79%-0.46%2.56%0.74%1.58%-121 bps
Loan Growth (YoY)1.12%1.41%3.65%4.92%4.98%2.04%0.21%-3.16%-808 bps
Deposit Growth (YoY)7.47%11.43%11.44%9.21%5.99%2.69%-0.75%4.61%-461 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.22%0.19%0.11%0.22%0.04%0.25%0.25%+14 bps
Net Charge-Offs / Loans0.21%0.16%0.06%0.07%0.17%0.13%0.03%0.01%-6 bps
Allowance / Loans1.04%1.05%1.07%1.06%1.03%1.03%1.05%1.05%-2 bps
Allowance Coverage of NPLs70.8x4.8x5.6x9.4x4.7x27.4x4.2x4.1x-5.3x
Capital
Tier 1 Leverage Ratio9.78%9.98%9.85%10.08%10.21%10.56%10.70%10.87%+80 bps
Total Risk-Based Capital9.78%9.98%9.85%10.08%10.21%10.56%10.70%10.87%+80 bps
Equity / Assets6.13%5.93%5.99%6.27%6.72%7.57%7.36%7.73%+145 bps
Liquidity & Funding
Loans / Deposits74.24%78.91%72.97%79.39%73.54%78.40%73.68%73.50%-589 bps
Liquid Assets / Assets8.28%1.57%5.02%2.29%5.50%2.02%5.53%5.68%+339 bps
CRE / Total Capitaln/an/an/an/a374%365%364%n/an/a