# CHEMUNG CANAL TRUST CO
ELMIRA, NY · FDIC certificate 597 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.82B | |
| Deposits | $2.37B | |
| Loans and leases | $2.37B | |
| Total equity | $304.5M | |
| Loans / deposits | 98.87% (p83 of band) | 87.10% |
| Liquid assets / assets | 12.32% (p11 of band) | |
| Uninsured deposits / deposits | 31.40% (p52 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.29% (p37 of band) | |
| FHLB advances / assets | 3.18% | |
| Tier 1 leverage | 11.38% (p67 of band) | 10.50% |
| Unrealized securities loss / equity | -16.63% (p25 of band) | -7.75% |
| AOCI / equity | 0.04% (p80 of band) | |
| ROA (annualized) | 1.40% (p62 of band) | 1.26% |
| Net interest margin | 3.84% (p59 of band) | 3.70% |
| Efficiency ratio | 58.10% (p47 of band) | |
| Noncurrent loans | 0.38% (p39 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 277.31% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 46.68% (p49 of band) | |
| Auto loans | $108.8M (4.59% of loans; DQ 2.38%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -4.4% | |
| Employees | 357 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | expense ratio p90 | reserve under noncurrent |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | brokered >10% |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 4 | wholesale funding >15%, expense ratio p90 |  |
| 2016-09 | 2 |  | reserve under noncurrent, expense ratio p90 |
| 2016-12 | 1 |  | wholesale funding >15% |
| 2017-03 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2017-06 | 4 | reserve under noncurrent |  |
| 2017-09 | 3 |  | reserve under noncurrent |
| 2017-12 | 2 |  | uninsured deposits leaving |
| 2018-03 | 1 |  | wholesale funding >15% |
| 2018-06 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2018-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | noncurrent p90 |  |
| 2019-12 | 0 |  | noncurrent p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | charge-offs p90 |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | losing money | securities losses >30% of equity |
| 2025-09 | 0 |  | losing money |
| 2025-12 | 1 | deposits shrinking |  |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-21 [Chemung Canal Trust Co. seeks to change regulators as it posts record earnings - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxOVm95bUl0SjREOVdVRFdBQUE0TjZoOWNhd1RNS2JMWElybkpBSDlSZ3IyVVN5RVgtRHZ5Z3gxWm9oQlFSekdKNjRGUHFTT1NlTkJBVkw0ZktmTHREYXJ4REduem1YbnFYY0ZfdTNlbTUyb2hDTnpYanhkOFRjbmZ6Z3JFSWYwTHJnNUV1NUFPeWtHcmhF?oc=5) · The Business Journals
- 2026-08-14 [Growing bank breaks ground on West Seneca branch - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQMVBrTXV4Z21wYS1pQk9HTi0tVXQ2Vi1aZndMaWYyLWUzcHBaSUI2dFNPQWI1LTdaNDBpdWd0Y05KeUxtZUJ5OXAwd05BRVZCOUJqV01JRXBZaC1kTlRjZkszX0JuVEFHUFlfOWc1NExWdUxFYl9LRmllTEc1aEN5ZDZ0all1VTg5OTNNYnh1dVd3SHFseEpGcktyVDBJc2F5eWN1Skpn?oc=5) · The Business Journals
- 2024-05-18 [Chemung Canal Trust Company backed up New York City banks, grew into Elmira institution - Star-Gazette](https://news.google.com/rss/articles/CBMizAFBVV95cUxNTXQyVENPVzB6UkVFeXBvV1p6WE9ncFFvamxnWEpQaTlYcEdFMzZfU1J0X3FMLTFwX2c3X051UlVURXdDUWw3QlVCWnhHR1hVeGpTa2R5TVdhSVg4TmV3Z245czV0TXY4eFNZdVkzT2ZvV1Yxd0pZbGx5akNrUVpuVW5TU21rdkVLVzhpaGRDTlgyN25hQUJnNFh0NnlFSmE0SnVsYlNZR3lXZkdjYWFyUjF3QkkxcURGWVE3dU82SHpFdUJPcjdwT1A3aGg?oc=5) · Star-Gazette
- 2016-08-01 [COMMONS LAWSUIT: Chemung Financial revises earnings - ithacajournal.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPUy1MLVp4RldYVnFIcWVHdlkzektNVmNjYkF5MjVBZThlOG8zWEd3VDhERDJ0a0w0ZlBQSlpMQjJPdjVJRm1ncmVGZG55aWVNa05nUWhNaHoxNnlkdWtRSlN1TDNkRVlwYjFPUlJQdlktTkttZFc5UmFTNktfWEJBQmhiVHFmTU9wZjZUSnlFNnAtT0ZkSlV1S0pnUDNPZndwSnJWLWpkelk2NjctRjB1dUFQNmw0RGRNZk9nTnZKVWdTMF9nbU04?oc=5) · ithacajournal.com
- 2024-07-31 [Bank rebrands, names new leadership for WNY push - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxORjFKWnh4SnlIM00xUVA4TXhNWkZfc1hHclYyaHNzdGJZWlctRy1jUDVBa3FDSFdLU0tMcjVUYWg4VFhWTktUY294ZmI4WkJPSHpNUTJ3dmt1NEdxTktFVTlnRXZBY3VZS0ZSZG15RUk4dHVaUHptRUF4VXAya0xoSjlpOTQ3eko3RXNDWlpZTmQ3dmVrU3JKMWNmajY0UTU5Zm92aU13?oc=5) · The Business Journals
- 2022-05-06 [Waverly woman arrested, charged with robbing Chemung Canal Trust bank in village - Star-Gazette](https://news.google.com/rss/articles/CBMixgFBVV95cUxOdjY5eFROa1haQnlMT0pGYlEzYU5aaG90ZWJ3QXhjTlJvT0RCOVFYeEtIVUxEajVvWkVjZjE5aFFQa3oyd2R2OGhiM3pFY2IxcTUxWWFqR1FXZmF1QVFWc2dHSkJ4UF9PWGVSX050TkdLNS1NNzBOYTFYbUFkWll4QlR2aFdfbVBwSTIyVnBvN0ZaVEc2X0hBdzJPeDNzajJFNVNmRU1JbE5FYm5PTWZqc3NpN1hGT3RMMkVIRHBSSk9fVkZNS1E?oc=5) · Star-Gazette
- 2016-05-12 [Chemung Canal CEO to retire at year's end - Star-Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxQM2oyelZJb0s4RU5WREdBSjNCaXdMblZJU3hUMXJjQTRQc1VBYTJYU08wU3ZPeXVoNU9fSkNnUDJmX1lYNVU1QlNIU3FnWmF3NnNqX1JFTDh5REtUWlkwX0xGb1pJdG9ocFozZVM3c21Cd0xnQTFpME1rbWVaYmU4aEZvcUxVZlpvQVJQT29QT2oxaEJRbF92UjRLdw?oc=5) · Star-Gazette
- 2021-03-02 [Chemung Canal Trust targets Clarence for first local facility - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWUpSeEZzQXNCU1lTMXItY1FUcXRzZ05VTVpFQVN6RUVHdDJUN05sdG9pY19xS0l2aUwtLVowc19PU21Tb24wN256MmNIOElXb1g5enQ3cWZ4UlNxQmxvV241bXBnMmQ0UEJLalQwSHk4X0ZRV2xQR2RyczgybnozUWVvWGlRQjIxMzJET1pNZnM2dnhhb2o1OGN0ODNaSlY2QmgzaGZnaFg1Zw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=597 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "597", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide