Bank call report · Elmira, NY
Chemung Canal Trust Company, N.A. Call Report
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Chemung Canal Trust Company, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 473 reported line items, schedule by schedule (949 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 884303 |
| FDIC certificate number | 597 |
| Total assets | $2.82B |
Official Q2 2026 call report PDF (FFIEC) →
Chemung Canal Trust Company, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · Chemung Canal Trust Company, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.82B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.82B |
| Total Liabilities and Minority Interest | RCON2948 | $2.51B |
| Total Deposits | RCON2200 | $2.37B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.37B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.34B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.69B |
| Deposits: Noninterest-bearing | RCON6631 | $682.0M |
| Total Equity Capital | RCON3210 | $304.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $304.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $269.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $237.8M |
| Surplus | RCON3839 | $96.1M |
| Other Borrowed Money | RCON3190 | $92.9M |
| Other Assets | RCON2160 | $82.3M |
| Other Liabilities, Total | RCON2930 | $49.7M |
| Interest-bearing Balances | RCON0071 | $44.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$35.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $29.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $25.2M |
| Intangible Assets | RCON2143 | $22.2M |
| Goodwill | RCON3163 | $21.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $20.1M |
| Common Stock | RCON3230 | $6.5M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $3.5M |
| Loans and Leases Held for Sale | RCON5369 | $2.4M |
| Other Real Estate Owned | RCON2150 | $1.9M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.6M |
| Held-to-maturity Securities, Total | RCON1754 | $1.6M |
Schedule RI: Income Statement (44 items)
About Schedule RI · Chemung Canal Trust Company, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $68.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $64.3M |
| Net Interest Income | RIAD4074 | $50.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $39.9M |
| Total Noninterest Expense | RIAD4093 | $35.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $24.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $24.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $19.3M |
| Net Income (Loss) | RIAD4340 | $19.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $19.3M |
| Salaries and Employee Benefits | RIAD4135 | $19.2M |
| Total Interest Expense | RIAD4073 | $18.4M |
| Other Noninterest Expense | RIAD4092 | $12.7M |
| Total Noninterest Income | RIAD4079 | $11.7M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $10.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $9.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $7.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.6M |
| Applicable Income Taxes | RIAD4302 | $5.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $3.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.6M |
| Other Noninterest Income | RIADB497 | $3.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.7M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.5M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.6M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.2M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.2M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.2M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.1M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $644K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $628K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $590K |
| Interest on Other Securities | RIAD4060 | $544K |
| Other Interest Income | RIAD4518 | $290K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $205K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $192K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $152K |
| Net Servicing Fees | RIADB492 | $75K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $68K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $61K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $46K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $10K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 357 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $73.1M |
| Balances Due from Federal Reserve Banks | RCON0090 | $44.0M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $16.8M |
| Currency and Coin | RCON0080 | $11.3M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $1.1M |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · Chemung Canal Trust Company, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $6.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $5.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $278.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $234.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $3.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $2.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $316.2M |
| Pledged Securities | RCON0416 | $201.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $120.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $100.3M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $18.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $18.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $16.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $13.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $10.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $9.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $4.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $3.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.6M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $1.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $1.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $46K |
Schedule RC-C, Part I: Loans and Leases (40 items)
About Schedule RC-C, Part I · Chemung Canal Trust Company, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.37B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $928.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $687.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $462.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $402.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $358.9M |
| Commercial and Industrial Loans | RCON1766 | $306.5M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $306.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $296.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $295.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $266.6M |
| Pledged Loans and Leases | RCONG378 | $229.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $186.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $183.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $131.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $114.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $108.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $79.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $68.9M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $67.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $66.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $35.8M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $24.9M |
| Other Loans | RCONJ464 | $24.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $21.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $12.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $10.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $8.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $7.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $5.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.6M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $544K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $329K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $329K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $305K |
| Real Estate Loans Secured by Farmland | RCON1420 | $245K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $158K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $102.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $51.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $16.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $15.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $12.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $240K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $106K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $63K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 540 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 209 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 158 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 142 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 94 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (35 items)
About Schedule RC-E · Chemung Canal Trust Company, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.38B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.18B |
| Total Transaction Accounts | RCON2215 | $994.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $904.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $687.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $682.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $402.5M |
| Total reciprocal deposits | RCONJH83 | $346.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $310.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $256.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $245.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $214.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $191.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $184.9M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $163.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $163.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $160.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $157.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $153.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $138.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $103.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $101.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $89.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $52.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $49.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $41.8M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $28.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $23.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $14.8M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $7.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.1M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $83K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $7K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $44.5M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $20.3M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $17.5M |
| Net Deferred Tax Assets | RCON2148 | $15.1M |
| Accrued Interest Receivable | RCONB556 | $10.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $9.7M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.7M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $28.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $19.0M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $17.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.9M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $658K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Chemung Canal Trust Company, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.82B |
| Quarterly Average of Total Loans | RCON3360 | $2.34B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.44B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $929.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $453.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $344.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $322.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $302.5M |
| Mortgage-backed Securities | RCONB559 | $291.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $119.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $105.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $63.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $34.9M |
| All Other Securities | RCONB560 | $33.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $256K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (17 items)
About Schedule RC-L · Chemung Canal Trust Company, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $33.6M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over Five Years | RCONG408 | $13.5M |
| Notional Amount of Sold Credit Protection: Investment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG407 | $20.1M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $901.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $901.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $262.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $92.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $69.0M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $55.6M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $33.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $32.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $21.9M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $17.6M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $17.5M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $16.2M |
| Unused Commitments - Credit Card Lines | RCON3815 | $16.2M |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Positive Fair Value | RCONC219 | $171K |
Schedule RC-M: Memoranda (13 items)
About Schedule RC-M · Chemung Canal Trust Company, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $89.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $89.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $33.4M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $3.5M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $3.3M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $3.3M |
| All Other Real Estate Owned: Multifamily (5 or More) Residential Properties in Domestic Offices | RCON5511 | $1.4M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $545K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $394K |
| Mortgage Servicing Assets | RCON3164 | $394K |
| Outstanding balance of PPP loans | RCONLG27 | $17K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
| Number of outstanding PPP Loans | RCONLG26 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (21 items)
About Schedule RC-N · Chemung Canal Trust Company, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $9.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $8.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $4.6M |
| Additions to Nonaccrual Assets | RCONC410 | $2.7M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $2.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.0M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $1.6M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $970K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $596K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $584K |
| All Other Loans - Nonaccrual | RCON5461 | $579K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $521K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $387K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $285K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $235K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $124K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $68K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $53K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $52K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $31K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Chemung Canal Trust Company, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.82B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $2.37B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.47B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $882.3M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $744.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $315.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $21.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 78,481 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,094 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,054 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $2.5M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $2.5M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $83K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCONG486 | $2.4M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $2.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $274.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $272.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $271.5M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $269.0M |
| All Other Liabilities - Level 1 Fair Value Measurements | RCONG807 | $3.5M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $3.5M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $3.5M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Liabilities Measured at Fair Value on a Recurring Basis (Rc-q 13.) - Level 1 Fair Value Measurements | RCONG573 | $3.5M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Liabilities Measured at Fair Value on a Recurring Basis (Rc-q 13.) - Total Fair Value Reported on Balance Sheet | RCONG571 | $3.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $3.5M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG533 | $3.5M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $3.5M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Chemung Canal Trust Company, N.A. regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $2.30B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Chemung Canal Trust Company, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.82B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.80B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.30B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $344.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $318.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $318.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $318.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $304.5M |
| Retained Earnings | RCOAKW00 | $237.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $102.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$35.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$34.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $25.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $25.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $25.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $21.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $21.8M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$1.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1496 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1384 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1384 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1138 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0696 |
Schedule RC-R, Part II: Risk-Weighted Assets (67 items)
About Schedule RC-R, Part II · Chemung Canal Trust Company, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.30B |
| Total Risk-weighted Assets | RCONG641 | $2.30B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.98B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.87B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.87B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.81B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.69B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $649.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $646.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $626.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $440.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $356.8M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $356.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $324.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $315.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $315.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $289.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $288.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $272.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $263.4M |
| Total All Other Assets | RCOND981 | $126.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $94.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $88.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $73.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $69.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $69.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $63.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $56.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$50.6M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$47.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $39.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $26.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $26.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $26.3M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $26.3M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $21.9M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $21.9M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $21.9M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $21.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $21.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over One Year Through Five Years | RCONS589 | $20.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $17.7M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $17.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $17.4M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $17.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $16.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $15.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Investment Grade Reference Asset - Over Five Years | RCONS590 | $13.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $11.7M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $9.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $9.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $9.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $6.6M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $3.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $2.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $2.4M |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $2.3M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $2.3M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.6M |
| Total Held-to-maturity Securities | RCOND961 | $1.6M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $983K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $393K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $393K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $393K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $117K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $117K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $17K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $125.9M |
Schedule RC-T: Fiduciary and Related Services (37 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.88B |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $471.5M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $460.8M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $424.7M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $368.8M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $296.3M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $269.1M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $269.1M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $149.4M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $70.6M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $56.8M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $49.5M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $22.1M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $22.1M |
| Income from Fiduciary Activities | RIAD4070 | $6.3M |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $1.6M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $1.4M |
| Employee Benefit-defined Contribution | RIADB905 | $1.0M |
| Personal Trust and Agency Accounts | RIADB904 | $975K |
| Other Retirement Accounts | RIADB907 | $881K |
| Custody and Safekeeping Accounts | RIADB909 | $223K |
| Other Fiduciary and Related Services Income | RIADB910 | $207K |
| Employee Benefit-defined Benefit | RIADB906 | $7K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,614 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 664 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 664 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 374 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 339 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 254 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 118 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 117 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 103 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 78 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 78 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 21 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 4 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $304.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $287.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $287.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.3M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $740K |
| Other Comprehensive Income | RIADB511 | $108K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (12 items)
About Schedule RI-B, Part I · Chemung Canal Trust Company, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.1M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1.0M |
| Charge-offs on Automobile Loans | RIADK129 | $737K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $682K |
| Recoveries on Automobile Loans | RIADK133 | $302K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $278K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $44K |
| Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3588 | $43K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $32K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $19K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $1K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Chemung Canal Trust Company, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $25.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $24.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.1M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $72K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.37B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.33B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $457.0M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $329.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $131.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $115.3M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $25.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $14.3M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $4.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $3.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.2M |
Schedule RI-E: Explanations (2 items)
Chemung Canal Trust Company, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Chemung Canal Trust Company, N.A. call report?
The Chemung Canal Trust Company, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Chemung Canal Trust Company, N.A. file?
Chemung Canal Trust Company, N.A. files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Chemung Canal Trust Company, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Chemung Canal Trust Company, N.A. has Federal Reserve RSSD ID 884303 and FDIC certificate number 597. Either one finds its filings on the FFIEC Central Data Repository.
How often does Chemung Canal Trust Company, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Chemung Canal Trust Company, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 597) · FFIEC NIC profile (RSSD 884303)