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Chemung Canal Trust Company
Elmira, NY·FDIC Cert #597·Charter: STATE·Est. 18331022.0·HC: CHEMUNG FINANCIAL CORP
Total Assets
$2.7B
Q4 2025
Return on Assets
0.60%
+0.20%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.22%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.60%+0.20
ROE
6.61%+2.05
Efficiency
61.22%-1.16
Equity/Assets
0.00%+0.00
NPL Ratio
0.35%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.59%+6.51
Charge-offs
0.09%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 0.9 | 0.9 | 0.9 | 0.9 | -0.0 | 0.4 | 0.6 |
| ROE | 15.2 | 12.8 | 12.2 | 12.0 | 11.3 | -0.1 | 4.6 | 6.6 |
| Efficiency | 70.2 | 69.4 | 68.9 | 68.7 | 64.9 | 64.1 | 62.4 | 61.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.4 | 0.5 | 0.4 | 0.4 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 79.7 | 82.2 | 81.7 | 85.4 | 85.2 | 85.2 | 92.1 | 98.6 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.3B
Total Loans$2.2B
Total Equity$287.6M
Profitability
ROA0.60%
ROE6.61%
Efficiency Ratio61.22%
Net Income$16.7M
Risk & Asset Quality
NPL Ratio0.35%
Charge-off Rate0.09%
Loan/Deposit98.59%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans