Chemung Canal Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.88 percentage points higher than in Q1 2026, at 395.56%. 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. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Chemung Canal Trust Company sits 11.73 points higher, at 99.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.37B |
| Net loans and leases | $2.34B |
| Loans held for sale | $2.4M |
| Loans to total assets | 84.08% |
| Loan-to-deposit ratio | 99.93% |
| Net loans to equity capital | 7.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.76% |
| Multifamily (5+ residential) | 19.51% |
| Commercial and industrial | 12.93% |
| Consumer | 4.87% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 395.56% |
| Construction concentration (Tier 1 capital + allowance) | 41.34% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.61% |
| Interest income on loans | $32.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.93B | $2.48B | 29.53% | 12.24% | 11.16% |
| Q4 2023 | $1.97B | $2.44B | 29.83% | 12.45% | 10.87% |
| Q1 2024 | $2.00B | $2.49B | 29.89% | 12.90% | 10.36% |
| Q2 2024 | $2.01B | $2.42B | 30.59% | 13.30% | 10.04% |
| Q3 2024 | $2.03B | $2.46B | 31.22% | 12.98% | 9.51% |
| Q4 2024 | $2.07B | $2.40B | 32.76% | 13.21% | 8.78% |
| Q1 2025 | $2.10B | $2.44B | 34.05% | 12.94% | 8.00% |
| Q2 2025 | $2.13B | $2.48B | 34.69% | 12.77% | 7.33% |
| Q3 2025 | $2.21B | $2.37B | 35.02% | 13.04% | 6.62% |
| Q4 2025 | $2.27B | $2.28B | 35.67% | 13.31% | 5.95% |
| Q1 2026 | $2.31B | $2.32B | 36.02% | 13.07% | 5.36% |
| Q2 2026 | $2.37B | $2.37B | 36.76% | 12.93% | 4.87% |
Chemung Canal Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chemung Canal Trust Company, freeSource: Call Report Schedule RC-C, 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)