CHAMPLAIN NATIONAL BANK

ELIZABETHTOWN, NY | Small | Est. Jan. 1, 1934, midnight | FDIC #7356 | RSSD #126012 | OCC
Latest Report: 2025-12-31

CHAMPLAIN NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in ELIZABETHTOWN, NY, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $486M and total deposits of $422M. Profitability stands at 0.95% ROA and 13.35% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 7.57%. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.31%. FDIC Certificate #7356.

Assets

$486M

Deposits

$422M

Loans

$331M

Equity

$37M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 13.35%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.02%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.13%
Texas Ratio 0.31%
NPA Ratio 0.03%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 7.57%
Tier 1 Capital 7.57%
Total Capital Ratio 7.95%
Leverage Ratio 10.56%
Loan-to-Deposit 78.40%

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