Chemung Canal Trust Company, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Chemung Canal Trust Company, N.A. leans heavily on commercial real estate. It reported $2.8 billion in assets at June 30, 2026, down 1.1% from a year earlier. It holds commercial real estate loans worth 4.0 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also lost 4.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Loans and deposits moved in opposite directions: over the year loans rose 11.0% and deposits fell 4.4%. The commercial and industrial book ($306 million) is worsening: 0.81% of it is past due or on nonaccrual, up from 0.09% a year earlier.
As of June 30, 2026, Chemung Canal Trust Company, N.A. reported a CET1 capital ratio of 13.84%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 3.57%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 Chemung Canal Plz, Elmira, NY 14901
- County
- Chemung
- Metro Area
- Elmira, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 22, 1833
- Offices
- 30 domestic
- Employees (FTE)
- 357
- Domestic deposits
- $2.37B
- Allowance for credit losses
- $25.2M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $2.82B
- Average total loans
- $2.34B
- Average interest-bearing deposits
- $1.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 597
- Fed RSSD
- 884303
- SEC CIK
- 763563 → filed by CHEMUNG FINANCIAL CORPORATION
- Website
- WWW.CHEMUNGCANAL.COM →
- Parent Holding Company
- CHEMUNG FINANCIAL CORPORATION (RSSD 1133594) · CHMG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Anders Tomson | CEO | President & CEO |
| Vincent M Cutrona | PRES | EVP & President-Canal Bank Div |
| Dale M. Mckim Iii | CFO | EVP, CFO & Treasurer |
| Loren D Cole | CIO | EVP & CIO |
| Peter K Cosgrove | CCO | Executive Vice President & CCO |
| Mary E Meisner | CRO | EVP & Chief Risk Ofcr. |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Chemung Canal Trust Company, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Chemung Canal Trust Company, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Chemung Canal Trust Company, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.84% | 1.35% | 0.74% | 3.57% | 3.78% |
| Q1 2026 | 13.83% | 1.41% | 0.53% | 3.16% | 3.68% |
| Q4 2025 | 13.67% | 1.22% | 0.56% | 2.71% | 3.77% |
| Q3 2025 | 13.75% | 1.24% | 0.54% | 2.79% | 3.62% |
| Q2 2025 | 13.49% | -0.87% | 0.42% | 3.08% | 3.05% |
| Q1 2025 | 12.11% | 0.85% | 0.54% | 4.53% | 2.91% |
| Q4 2024 | 12.04% | 0.84% | 0.48% | 4.48% | 2.93% |
| Q3 2024 | 11.97% | 0.81% | 0.54% | 5.20% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 30 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Chemung Canal Trust Company | Elmira , NY | 14901 | $361.1M |
| Arnot Road Office Branch | Horseheads , NY | 14845 | $127.2M |
| Latham Branch | Latham , NY | 12110 | $124.0M |
| State Street Branch | Albany , NY | 12207 | $123.7M |
| Montour Falls Branch | Montour Falls , NY | 14865 | $114.1M |
| North Franklin Street Branch | Watkins Glen , NY | 14891 | $113.0M |
| Corning Branch | Corning , NY | 14830 | $99.3M |
| Canal Bank Branch | Buffalo , NY | 14221 | $97.9M |
| Horseheads Branch | Horseheads , NY | 14845 | $93.1M |
| Waverly Branch | Waverly , NY | 14892 | $80.6M |
| Ithaca South Branch | Ithaca , NY | 14850 | $79.4M |
| Elmira Heights Branch | Elmira Heights , NY | 14903 | $79.3M |
| Wolf Road Branch | Albany , NY | 12205 | $72.7M |
| Southport Branch | Elmira , NY | 14904 | $72.4M |
| 203 Main Street Branch | Owego , NY | 13827 | $72.1M |
| Grant Avenue Branch | Auburn , NY | 13021 | $70.1M |
| Vestal Branch | Vestal , NY | 13850 | $69.1M |
| West Side Branch | Elmira , NY | 14905 | $66.6M |
| Binghamton Branch | Binghamton , NY | 13901 | $55.2M |
| Clifton Park Office Branch | Clifton Park , NY | 12065 | $55.2M |
| West Morris Street Branch | Bath , NY | 14810 | $54.3M |
| Auburn - Genesee St Branch | Auburn , NY | 13021 | $51.1M |
| Canton Branch | Canton , PA | 17724 | $43.5M |
| Community Corners Branch | Ithaca , NY | 14850 | $40.2M |
| Wilton Branch | Saratoga Springs , NY | 12866 | $37.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 9, 2011 | M&A | Acquired Capital Bank & Trust Company merger for the acquired bank | SEC |
| April 9, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 2011 | Structure Change | Acquired Capital Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 2009 | M&A | Acquired Bank of Canton merger for the acquired bank | SEC |
| May 30, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 2009 | Structure Change | Acquired Bank of Canton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 1995 | M&A | Acquired The Owego National Bank merger for the acquired bank | SEC |
| January 3, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1995 | Structure Change | Acquired The Owego National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 1994 | M&A | Acquired Columbia Banking Federal Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| June 4, 1994 | Structure Change | Acquired Columbia Banking Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 1, 1974 | M&A | Acquired Montour National Bank in Montour Falls merger for the acquired bank | SEC |
| May 1, 1974 | Structure Change | Acquired Montour National Bank in Montour Falls Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Chemung Canal Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 53 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 379 applications, 275 loans originated, $130.4M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $1.5M approved, $244K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Chemung Canal Trust Company, N.A.
What are Chemung Canal Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Chemung Canal Trust Company, N.A. reported total assets of $2.82 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Chemung Canal Trust Company, N.A. headquartered?
Chemung Canal Trust Company, N.A. is headquartered in Elmira, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Chemung Canal Trust Company, N.A. founded?
Chemung Canal Trust Company, N.A. was established in 1833, per the FDIC institution directory.
Is Chemung Canal Trust Company, N.A. FDIC-insured?
Yes. Chemung Canal Trust Company, N.A. is an FDIC-insured commercial bank (FDIC Certificate #597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chemung Canal Trust Company, N.A.?
Chemung Canal Trust Company, N.A.'s primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Chemung Canal Trust Company, N.A.'s CET1 capital ratio?
Chemung Canal Trust Company, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.84% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Chemung Canal Trust Company, N.A. operate?
Chemung Canal Trust Company, N.A. operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chemung Canal Trust Company, N.A.'s Texas Ratio?
Chemung Canal Trust Company, N.A.'s Texas Ratio is 3.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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