Champlain National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 0.98 percentage points lower than in Q1 2026, at 5.73%. Champlain National Bank ranks 56th of 105 New York banks on return on assets, in the lower half at 0.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Champlain National Bank sits 0.31 points lower, at 0.95% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.87% |
| Equity capital to assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.73% |
| Non-performing assets ratio | 1.14% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 13.51% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 60.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 12.90% |
| Net interest margin | 3.58% |
| Efficiency ratio | 70.69% |
| Yield on earning assets | 4.80% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.50% |
| Core deposits to total deposits | 87.96% |
| Brokered deposits to total deposits | 5.73% |
| Deposits to assets | 89.30% |
| Securities to assets | 23.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.17% | 0.67% | 3.06% | 1.66% | -0.01% |
| Q4 2023 | 10.13% | 0.54% | 3.01% | 1.63% | 0.00% |
| Q1 2024 | 10.12% | 0.51% | 2.91% | 2.76% | 0.03% |
| Q2 2024 | 10.26% | 0.64% | 2.97% | 1.75% | -0.01% |
| Q3 2024 | 9.78% | 0.52% | 2.95% | 0.00% | 0.62% |
| Q4 2024 | 9.98% | 0.42% | 3.10% | 1.77% | 0.03% |
| Q1 2025 | 9.85% | 0.60% | 3.10% | 1.71% | 0.06% |
| Q2 2025 | 10.08% | 0.72% | 3.32% | 0.71% | 0.09% |
| Q3 2025 | 10.21% | 0.89% | 3.49% | 1.51% | 0.37% |
| Q4 2025 | 10.56% | 0.93% | 3.60% | 1.51% | -0.01% |
| Q1 2026 | 10.70% | 0.79% | 3.53% | 1.72% | 0.03% |
| Q2 2026 | 10.87% | 0.95% | 3.58% | 1.73% | -0.01% |
Champlain National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Champlain National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Champlain National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7356) · FFIEC NIC profile (RSSD 126012)