Bank Comparison
Chemung Canal Trust Company, N.A. 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
10 · 7
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Chemung Canal Trust Company, N.A. | Industrial and Commercial Bank of China (USA), N.A. |
|---|---|---|
| CET1 Ratio | 13.84% | 17.53% |
| Tier 1 Capital Ratio | 13.84% | 17.53% |
| Total Capital Ratio | 14.96% | 18.27% |
| Tier 1 Leverage Ratio | 11.38% | 17.26% |
| Equity / Assets | 10.80% | 17.43% |
Profitability
| Metric | Chemung Canal Trust Company, N.A. | Industrial and Commercial Bank of China (USA), N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 0.81% |
| Return on Equity (ROE) | 12.64% | 4.72% |
| Net Interest Margin (NIM) | 3.78% | 3.35% |
| Yield on Earning Assets | 5.16% | 5.55% |
| Cost of Funds | 1.54% | 2.71% |
Asset quality
| Metric | Chemung Canal Trust Company, N.A. | Industrial and Commercial Bank of China (USA), N.A. |
|---|---|---|
| Texas Ratio | 3.57% | 22.89% |
| Non-Performing Loan Ratio | 0.38% | 4.20% |
| Non-Performing Asset Ratio | 0.39% | 4.16% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.06% | 0.77% |
Balance sheet
| Metric | Chemung Canal Trust Company, N.A. | Industrial and Commercial Bank of China (USA), N.A. |
|---|---|---|
| Total Assets | $2.82B | $2.86B |
| Total Deposits | $2.37B | $2.21B |
| Total Loans | $2.37B | $2.71B |
| Total Equity | $304.5M | $498.5M |
| Net Income (quarter) | $9.5M | $5.8M |
Liquidity & funding
| Metric | Chemung Canal Trust Company, N.A. | Industrial and Commercial Bank of China (USA), N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 99.93% | 122.90% |
| Core Deposit Ratio | 95.65% | 64.14% |
| Uninsured Deposit Ratio | 31.40% | 37.25% |
Identity
| Metric | Chemung Canal Trust Company, N.A. | Industrial and Commercial Bank of China (USA), N.A. |
|---|---|---|
| Headquarters City | Elmira | New York |
| Headquarters State | NY | NY |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FED | OCC |
| Domestic Branches | 30 | 14 |
| Employees (FTE) | 357 | 289 |
| Established | October 22, 1833 | February 14, 1983 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Chemung Canal Trust Company, N.A. profile | View full Industrial and Commercial Bank of China (USA), N.A. profile | Browse all bank comparisons