Champlain National Bank
BankRegReports is independent of Champlain National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Champlain National Bank is an FDIC-insured commercial bank headquartered in Elizabethtown, NY, established in 1934 (FDIC certificate 7356), and it is supervised by the OCC. At Q2 2026 it reported total assets of $497.1M, up 1.6% from Q2 2025, the 71st largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7356
- Headquarters
- Elizabethtown, NY
- Established
- 1934
- Total assets, Q2 2026
- $497.1M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 10.87%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 021310407
- Latest call report
- Q2 2026, FFIEC 051 · Champlain National Bank call report
- Holding company
- CHAMPLAIN BANK CORPORATION
- Asset rank in state
- 71st of 105 in New York
Champlain National Bank, based in Elizabethtown, New York, reported $497 million in assets at June 30, 2026, up 1.6% from a year earlier. It pays an average of 1.04% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 3.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $19 million equal 34% of Tier 1 capital, down from 43% a year earlier. Earnings jumped: net income for the quarter was $1.2 million, 32% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Champlain National Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.97%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Champlain National Bank is the 71st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $497.1M, loans fell 1.2% and deposits fell 1.0%. Non-owner-occupied commercial real estate loans made up 24.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.0%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in NY; its Willsboro office books 30% of its branch deposits. On its Q2 2026 call report, Champlain National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7558 Us Route 9, Elizabethtown, NY 12932
- County
- Essex
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- Essex County-Champlain National Bank (1986-1991); Essex County-Champlain National Bank, Willsboro (1959-1986)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $443.9M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $511.4M
- Average total loans
- $326.2M
- Average interest-bearing deposits
- $433.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7356
- Fed RSSD
- 126012
- Website
- http://www.champlainbank.com →
- Parent Holding Company
- CHAMPLAIN BANK CORPORATION (RSSD 1138955)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Champlain National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Champlain National Bank's total assets ranged from $471.4M (Q3 2023) to $510.4M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$497.1M total assets against $489.3M; $458.7M total liabilities against $458.6M.
$322.8M net loans and leases against $333.3M; $443.9M total deposits against $424.3M.
$114.9M securities against $115.0M; $27.9M cash and balances due against $9.3M.
$5.7M total interest income against $5.6M; $1.5M total interest expense against $1.6M.
$4.2M net interest income against $3.9M.
$556K total noninterest income against $532K; $3.4M total noninterest expense against $3.2M.
-$110K provision for credit losses against $157K.
$1.2M net income against $920K.
0.95% return on assets against 0.72%; 3.58% net interest margin against 3.32%.
10.87% tier 1 leverage ratio against 10.08%.
Inside the full Champlain National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Champlain National Bank rankings
Its closest position to the top of a national ranking is 1,787 of 4,196, for total assets; its furthest is 2,797 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q4 2024) to 0.95% (Q2 2026) and its net interest margin ran from 2.95% (Q3 2024) to 3.60% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.87% | 0.95% | 0.25% | 1.97% | 3.58% |
| Q1 2026 | 10.70% | 0.79% | 0.25% | 2.05% | 3.53% |
| Q4 2025 | 10.56% | 0.93% | 0.04% | 0.31% | 3.60% |
| Q3 2025 | 10.21% | 0.89% | 0.22% | 1.97% | 3.49% |
| Q2 2025 | 10.08% | 0.72% | 0.11% | 1.11% | 3.32% |
| Q1 2025 | 9.85% | 0.60% | 0.19% | 1.91% | 3.10% |
| Q4 2024 | 9.98% | 0.42% | 0.22% | 2.24% | 3.10% |
| Q3 2024 | 9.78% | 0.52% | 0.01% | 0.10% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willsboro Branch | Willsboro , NY | 12996 | $132.2M |
| Keene Branch | Keene , NY | 12942 | $82.4M |
| West Plattsburgh Branch | Plattsburgh , NY | 12901 | $41.6M |
| Plattsburgh Branch | Plattsburgh , NY | 12901 | $39.7M |
| Champlain Branch | Champlain , NY | 12919 | $31.2M |
| Champlain National Bank (main office) | Elizabethtown , NY | 12932 | $28.6M |
| Lake Placid Branch | Lake Placid , NY | 12946 | $28.4M |
| Westport Branch | Westport , NY | 12993 | $26.5M |
| Crown Point Branch | Crown Point , NY | 12928 | $22.7M |
| Saranac Lake Branch | Saranac Lake , NY | 12983 | $10.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 108 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $368K approved, $368K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Champlain National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Champlain National Bank with peers
Frequently asked about Champlain National Bank
What are Champlain National Bank's total assets?
As of the Q2 2026 filing, Champlain National Bank reported total assets of $497.1 million in its FFIEC call report.
Where is Champlain National Bank headquartered?
It is headquartered in Elizabethtown, NY, United States.
When was Champlain National Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Champlain National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Champlain National Bank?
Champlain National Bank's primary federal regulator is the OCC.
How many branches does Champlain National Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Champlain National Bank's Texas Ratio?
Its Texas Ratio is 1.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Champlain National Bank previously called?
The charter now named Champlain National Bank has also operated as Essex County-Champlain National Bank (1986-1991), Essex County-Champlain National Bank, Willsboro (1959-1986), per FDIC structure-change records.
Go deeper on Champlain National Bank.
Get an email when Champlain National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Champlain National Bank, freeFree account