Bank Comparison
Chemung Canal Trust Company vs Industrial and Commercial Bank of China (usa), N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Chemung Canal Trust Company | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| CET1 Ratio | 13.83% | 17.23% |
| Tier 1 Capital Ratio | 13.83% | 17.23% |
| Total Capital Ratio | 14.97% | 17.96% |
| Tier 1 Leverage Ratio | 11.26% | 16.94% |
| Equity / Assets | 10.79% | 17.20% |
Profitability
| Metric | Chemung Canal Trust Company | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.41% | 0.51% |
| Return on Equity (ROE) | 13.45% | 3.04% |
| Net Interest Margin (NIM) | 3.68% | 2.96% |
| Yield on Earning Assets | 5.05% | 5.29% |
| Cost of Funds | 1.53% | 2.89% |
Asset quality
| Metric | Chemung Canal Trust Company | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Texas Ratio | 4.70% | 22.96% |
| Non-Performing Loan Ratio | 0.53% | 4.18% |
| Non-Performing Asset Ratio | 0.51% | 4.12% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 1.08% | 0.77% |
Balance sheet
| Metric | Chemung Canal Trust Company | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Total Assets | $2,748M | $2,864M |
| Total Deposits | $2,322M | $2,273M |
| Total Loans | $2,314M | $2,716M |
| Total Equity | $296,423K | $492,687K |
| Net Income (quarter) | $9,815K | $3,727K |
Liquidity & funding
| Metric | Chemung Canal Trust Company | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 99.65% | 119.47% |
| Core Deposit Ratio | 95.36% | 78.08% |
| Uninsured Deposit Ratio | 30.34% | 33.24% |
Identity
| Metric | Chemung Canal Trust Company | Industrial and Commercial Bank of China (usa), N.A. |
|---|---|---|
| Headquarters City | ELMIRA | NEW YORK |
| Headquarters State | NY | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 24440 |
| Regulator | FED | OCC |
| Domestic Branches | 30 | 14 |
| Employees (FTE) | 331 | 288 |
| Established | Oct. 22, 1833, midnight | Feb. 14, 1983, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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