Chemung Canal Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.4% to $237.8M. Chemung Canal Trust Company ranks 59th of 82 New York banks on CET1 ratio, in the lower half at 13.84% (Q2 2026). At 13.84%, Chemung Canal Trust Company's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.84% |
| Tier 1 risk-based capital ratio | 13.84% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 11.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $318.6M |
| Tier 1 capital | $318.6M |
| Total risk-based capital | $344.5M |
| Total equity capital | $304.5M |
| Risk-weighted assets | $2.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.80% |
| Tangible equity to tangible assets | 10.11% |
| Equity capital to average assets | 10.79% |
| Internal capital growth rate | 10.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $96.1M |
| Retained earnings | $237.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.44% | 11.44% | 12.51% | 8.29% | $1.98B |
| Q4 2023 | 11.58% | 11.58% | 12.76% | 8.26% | $1.98B |
| Q1 2024 | 11.71% | 11.71% | 12.76% | 8.49% | $2.02B |
| Q2 2024 | 11.93% | 11.93% | 13.01% | 8.61% | $2.03B |
| Q3 2024 | 11.97% | 11.97% | 13.04% | 8.83% | $2.07B |
| Q4 2024 | 12.04% | 12.04% | 13.09% | 8.98% | $2.10B |
| Q1 2025 | 12.11% | 12.11% | 13.19% | 9.07% | $2.13B |
| Q2 2025 | 13.49% | 13.49% | 14.58% | 10.07% | $2.13B |
| Q3 2025 | 13.75% | 13.75% | 14.88% | 10.85% | $2.14B |
| Q4 2025 | 13.67% | 13.67% | 14.80% | 11.10% | $2.21B |
| Q1 2026 | 13.83% | 13.83% | 14.97% | 11.26% | $2.24B |
| Q2 2026 | 13.84% | 13.84% | 14.96% | 11.38% | $2.30B |
Chemung Canal Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chemung Canal Trust Company, freeSource: Call Report Schedule RC-R, 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 Chemung Canal Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 597) · FFIEC NIC profile (RSSD 884303)