Chemung Canal Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.4% between Q1 2026 and Q2 2026, to $9.3M. Chemung Canal Trust Company ranks 38th of 105 New York banks on net interest margin, in the upper half at 3.78% (Q2 2026). At 3.78%, Chemung Canal Trust Company's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.61% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 3.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.8M |
| Total interest expense | $9.3M |
| Interest expense on deposits | $8.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.43% | 1.80% | 2.75% | 5.24% | 2.14% |
| Q4 2023 | 4.54% | 1.97% | 2.71% | 5.34% | 2.17% |
| Q1 2024 | 4.67% | 2.09% | 2.71% | 5.47% | 2.22% |
| Q2 2024 | 4.66% | 2.18% | 2.64% | 5.48% | 2.09% |
| Q3 2024 | 4.80% | 2.24% | 2.73% | 5.66% | 2.01% |
| Q4 2024 | 4.81% | 2.04% | 2.93% | 5.63% | 2.12% |
| Q1 2025 | 4.65% | 1.90% | 2.91% | 5.41% | 2.07% |
| Q2 2025 | 4.80% | 1.90% | 3.05% | 5.58% | 1.83% |
| Q3 2025 | 5.19% | 1.75% | 3.62% | 5.72% | 2.08% |
| Q4 2025 | 5.21% | 1.61% | 3.77% | 5.72% | 2.01% |
| Q1 2026 | 5.05% | 1.53% | 3.68% | 5.50% | 1.98% |
| Q2 2026 | 5.16% | 1.54% | 3.78% | 5.61% | 1.99% |
Chemung Canal Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chemung Canal Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)