Chemung Canal Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chemung Canal Trust Company of Elmira, NY against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.35% | 1.46% | -0.11% | 56th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.64% | 12.69% | -0.05% | 52nd above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.78% | 3.85% | -0.07% | 55th above |
| Efficiency Ratio | 60.04% | 57.40% | +2.64% | 44th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.78% | 1.88% | -0.10% | 55th above |
| Yield on Earning Assets | 5.16% | 5.72% | -0.56% | 27th below |
| Cost of Funds | 1.54% | 2.02% | -0.48% | 79th top |
| Net Interest Spread | 3.05% | 3.18% | -0.13% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 1.00% | -0.26% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.76% | -0.07% | 38th below |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 51st above |
| ACL / Total Loans | 1.06% | 1.31% | -0.25% | 38th below |
| ACL / NPLs (Coverage) | 144.43% | 564.83% | -420.40% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.29% | 7.39% | -1.10% | 39th below |
| Provision / NCO | 1626.87% | 617.24% | +1009.63% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.84% | 17.34% | -3.50% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.84% | 17.37% | -3.53% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.96% | 18.42% | -3.46% | 56th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.38% | 11.44% | -0.06% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.34% | -0.54% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.11% | 10.50% | -0.39% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.93% | 86.94% | +12.99% | 18th bottom |
| Core Deposit Ratio | 95.65% | 85.54% | +10.11% | 88th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.40% | 33.13% | -1.73% | 49th below |
| Wholesale Funding Ratio | 3.29% | 5.70% | -2.41% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.14% | 9.69% | -10.83% | 12th bottom |
| Loan Growth (Y/Y) | 11.01% | 8.06% | +2.95% | 76th top |
| Deposit Growth (Y/Y) | -4.39% | 7.89% | -12.28% | 5th bottom |
See Chemung Canal Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chemung Canal Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Chemung Canal Trust Company profile, how to read a UBPR, or how this data updates.