Chemung Canal Trust Company: 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.
Reserve coverage of non-performing loans dropped 59.99 percentage points in Q2 2026, from 204.42% to 144.43%. It was the largest change from Q1 2026 among the key lines here. Within New York, Chemung Canal Trust Company is 26th of 105 on return on assets, 1.35% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Chemung Canal Trust Company sits 0.07 points higher, at 1.35% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.84% |
| Tier 1 risk-based capital ratio | 13.84% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 11.38% |
| Equity capital to assets | 10.80% |
| Tangible equity to tangible assets | 10.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 6.29% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 144.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 12.64% |
| Net interest margin | 3.78% |
| Efficiency ratio | 60.04% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.93% |
| Core deposits to total deposits | 95.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.14% |
| Securities to assets | 9.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.44% | 11.44% | 12.51% | 8.29% | 1.09% |
| Q4 2023 | 11.58% | 11.58% | 12.76% | 8.26% | 0.53% |
| Q1 2024 | 11.71% | 11.71% | 12.76% | 8.49% | 1.01% |
| Q2 2024 | 11.93% | 11.93% | 13.01% | 8.61% | 0.71% |
| Q3 2024 | 11.97% | 11.97% | 13.04% | 8.83% | 0.81% |
| Q4 2024 | 12.04% | 12.04% | 13.09% | 8.98% | 0.84% |
| Q1 2025 | 12.11% | 12.11% | 13.19% | 9.07% | 0.85% |
| Q2 2025 | 13.49% | 13.49% | 14.58% | 10.07% | -0.87% |
| Q3 2025 | 13.75% | 13.75% | 14.88% | 10.85% | 1.24% |
| Q4 2025 | 13.67% | 13.67% | 14.80% | 11.10% | 1.22% |
| Q1 2026 | 13.83% | 13.83% | 14.97% | 11.26% | 1.41% |
| Q2 2026 | 13.84% | 13.84% | 14.96% | 11.38% | 1.35% |
Chemung Canal Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chemung Canal Trust Company, 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 Chemung Canal Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 597) · FFIEC NIC profile (RSSD 884303)