Chemung Canal Trust Company, N.A.: 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, N.A. of Elmira, NY against its peer group of 941 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 | 1.35% | 1.34% | +0.01% | 54th above |
| ROAE | 12.64% | 12.34% | +0.30% | 50th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.78% | 3.83% | -0.05% | 54th above |
| Efficiency Ratio | 60.04% | 58.97% | +1.07% | 43rd below |
| PPNR / Avg Assets | 1.78% | — | — | 53rd above |
| Yield on Earning Assets | 5.16% | 5.71% | -0.55% | 27th below |
| Cost of Funds | 1.54% | 2.02% | -0.48% | 79th top |
| Net Interest Spread | 3.05% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.87% | -0.49% | 62nd above |
| NPA / Total Assets | 0.39% | — | — | 52nd above |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 51st above |
| ACL / Total Loans | 1.06% | — | — | 38th below |
| ACL / NPLs (Coverage) | 277.31% | — | — | 60th above |
| Texas Ratio | 3.57% | 5.48% | -1.91% | 50th above |
| Provision / NCO | 350.62% | — | — | 68th above |
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% | 14.99% | -1.15% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.84% | 15.02% | -1.18% | 55th above |
| Total Capital Ratio | 14.96% | — | — | 55th above |
| Leverage Ratio | 11.38% | 11.11% | +0.27% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.02% | -0.22% | 57th above |
| TCE / Tangible Assets | 10.11% | — | — | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.93% | 86.99% | +12.94% | 18th bottom |
| Core Deposit Ratio | 95.65% | 85.57% | +10.08% | 88th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.40% | 33.19% | -1.79% | 48th below |
| Wholesale Funding Ratio | 3.29% | — | — | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.14% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 11.01% | — | — | 75th top |
| Deposit Growth (Y/Y) | -4.39% | — | — | 5th bottom |
See Chemung Canal Trust Company, N.A.'s peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chemung Canal Trust Company, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Chemung Canal Trust Company, N.A. peer analysis.