CHEMUNG CANAL TRUST COMPANY

ELMIRA, NY | Large | Est. Oct. 22, 1833, midnight | FDIC #597 | RSSD #884303 | FED
Latest Report: 2025-12-31

CHEMUNG CANAL TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in ELMIRA, NY, established in Oct. 22, 1833, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.3B. Profitability stands at 1.24% ROA and 11.85% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 13.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 2.52%. FDIC Certificate #597.

Assets

$2.7B

Deposits

$2.3B

Loans

$2.3B

Equity

$288M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 11.85%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.50%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.08%
Texas Ratio 2.52%
NPA Ratio 0.29%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 13.67%
Tier 1 Capital 13.67%
Total Capital Ratio 14.80%
Leverage Ratio 11.10%
Loan-to-Deposit 99.66%

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