Chemung Canal Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 37.0% higher than in Q1 2026, at $73.1M. Within New York, Chemung Canal Trust Company is 17th of 105 on loan-to-deposit ratio, 99.93% as of Q2 2026, above the middle of the field. Chemung Canal Trust Company reported 99.93% on loan-to-deposit ratio for Q2 2026, 11.73 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.1M |
| Cash and noninterest-bearing balances to assets | 2.59% |
| Cash and securities | $347.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $92.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.93% |
| Net loans and leases to deposits | 98.87% |
| Loans and leases to core deposits | 104.48% |
| Core deposits to total deposits | 95.65% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 77.87% | 90.92% | $0 | $3.1M |
| Q4 2023 | 80.95% | 90.90% | $0 | $35.0M |
| Q1 2024 | 80.52% | 91.21% | $0 | $53.0M |
| Q2 2024 | 83.07% | 93.69% | $0 | $83.8M |
| Q3 2024 | 82.59% | 94.35% | $0 | $53.8M |
| Q4 2024 | 86.28% | 91.84% | $0 | $112.9M |
| Q1 2025 | 86.08% | 92.31% | $0 | $88.7M |
| Q2 2025 | 86.08% | 91.30% | $0 | $58.6M |
| Q3 2025 | 93.08% | 95.51% | $0 | $3.5M |
| Q4 2025 | 99.66% | 95.60% | $0 | $90.6M |
| Q1 2026 | 99.65% | 95.36% | $0 | $79.1M |
| Q2 2026 | 99.93% | 95.65% | $0 | $92.9M |
Chemung Canal Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chemung Canal Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)