# CHAMPLAIN NATIONAL BANK
ELIZABETHTOWN, NY · FDIC certificate 7356 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $497.1M | |
| Deposits | $443.9M | |
| Loans and leases | $326.2M | |
| Total equity | $38.4M | |
| Loans / deposits | 72.73% (p30 of band) | 82.04% |
| Liquid assets / assets | 28.73% (p61 of band) | |
| Uninsured deposits / deposits | 37.54% (p84 of band) | 25.97% |
| Brokered deposits | 5.12% | |
| Wholesale funding | 5.92% (p62 of band) | |
| FHLB advances / assets | 0.80% | |
| Tier 1 leverage | 10.87% (p52 of band) | 10.81% |
| Unrealized securities loss / equity | -49.78% (p4 of band) | -8.10% |
| AOCI / equity | -0.90% (p25 of band) | |
| ROA (annualized) | 0.90% (p26 of band) | 1.28% |
| Net interest margin | 3.67% (p36 of band) | 3.91% |
| Efficiency ratio | 71.64% (p77 of band) | |
| Noncurrent loans | 0.25% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 414.56% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 30.82% (p37 of band) | |
| Auto loans | $34.9M (10.69% of loans; DQ 1.06%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

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

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

- 2021-11-01 [6 facts about conservationist Peter Paine - Adirondack Explorer](https://news.google.com/rss/articles/CBMimwFBVV95cUxPOUVKN0Q0RUFVaHFSa3djMENjV0hxY1dFTUFYRUc5dy1QeFJUUnZTbWwzbUJORGlsSWR5ZkNHZGNZdHVfWUh3SFhGMHBvS0dTaGIyVnZGeU1aelVlZjFSNDJwWUtlLV9nUFV1ek5LZExpSk1SMHVzcUsxWFJCSUZjRUlBcmpuSmJRYUtldFJnSmhCWHh3ZVBrMFh6OA?oc=5) · Adirondack Explorer
- 2024-08-07 [Alice Cole named chair of Champlain National Bank board - The Daily Gazette](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPQnhkM0wtX3JhaVBEcnhGQ1N6N1JzWWtfaGl3QVBMb2RLeENsWkhtYXlBeGw4ckVYelRDSHhsVDJIR0x4QnBObWJrdUVQMi0teW9jZnc5N0MxaG4weHN2VzFma1Z0VWFFT2FWQzYxRG5OOVl1V0FKV2xXdV9LdUJuOG9qMVYyYUYtVUZ4UlduaDZETm9NUmE3d3pRenlTaElYaFV0bTVhUUdoSHRJcFJBdXRCYmc2OEhtOFdpc29odllXTi1wbkNYMndzSkhuWnN1by1wWWJrUDI1d0U?oc=5) · The Daily Gazette
- 2019-03-16 [NC can bank on Champlain National - Press-Republican](https://news.google.com/rss/articles/CBMiywFBVV95cUxPVk1LTGZQa2FlUnJYSGtMcWlUZGFGRy1JR1poME1KYXpINmx4dkdBNGxSSXhtcDdtVm5wTmtyLVhOd2pna2pkTFRuYkgtNkk4by03VVg2VXdFUlpBVHJMaFVhSHhXZS1NVnZsZTZpYm1VOFJNWWo5bVNld0hCZ1JoeFZoc0hiRzRsbGE4WmlVU3F1VTZ3SmxMMU9TWWJOVXNnU2M1dkg3eFB5Ym0yTTBuekhJR2lnRXpfRU1SSm1zaWw3YVo0dHdjTTQzSQ?oc=5) · Press-Republican
- 2018-07-27 [Plattsburgh Man Arrested After Attempted Bank Robbery - WAMC](https://news.google.com/rss/articles/CBMipwFBVV95cUxPOEpERWpkWjBkeDhRT0FHbHdNZ3E2N0UzVkhlanBGd3Y0SUlnbUpKUG1qcmpsUE9CU09VanVSUUdzdkR6RktncjJQRGg5RTViX25YZnZhMG1neHdTZE82Wksyby1ELWxpX2p0LWw2b1lOelpzSWtrSzBRM3VwalItV0F1QnVwcXcxeEsyUncwS1lUZzdnSVgxWUpCZ3JuS1ZsNmRlRW84MA?oc=5) · WAMC
- 2015-02-23 [Jennifer A Lafountain Obituary Feb 23, 2015 - brownfuneralhomeny.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE16V3ZhV3NNbXVlYkk5VFRMZ1FqamVOT3NlU01EdmMycXdELXo4NW1PTDJBamhlamZWakV1eFk3SFMxSENtMVpIbUUtNFA1MVZaWHBlRjlqQlNoeU1OdnFQT3A5YmV5UU1HV3hURE03d09Ra0E?oc=5) · brownfuneralhomeny.com
- 2025-07-15 [Search Underway For Suspect in Upstate New York Murder - hudsonvalleycountry.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE9sZFVOdVk0SjRHczFHUVZjRDZiLVU1WENWZ1BkeS1qa0xGMjVyMmRVYWgzUjVZQ0RuS1Z0SmVhX19QdmROYk5GcWZHLXBpVWpxT24xT09qVE5sOXRWZUtJRjc4UHVMWnRMcTZrMlBBN1NEMG1zMDk2czJCRQ?oc=5) · hudsonvalleycountry.com
- 2022-07-14 [Police investigating homicide in Town of Plattsburgh - Press-Republican](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNSnZqRUNrbF9kcmNtaGgxeUU4eEFpaDVZOGJfMmZUZGFzR1ZUMUc3djZxXzFJRDhEdGdDU2JURWtMWW5nSFdSZ1hLakVvVC1ZdFpHRG95Z21xNmR4VWJSSHdzNGxhQnh5TFpmMVY0WXFFaTAxbXJvd2h4dko5bVFjT1FZdWhzU3hIcVVhMEo4dHRUcm41MkJuZlVTX0FRbjJYNERxWldRcWlySVpzb0E3akNLbGc4b09kVzFCNHR5eTU0SFdCUTNvQ3hnLTVaZ1FtQkpndEZn?oc=5) · Press-Republican
- 2024-07-05 [Titus Mountain owners purchase Waterfront Lodge in Saranac Lake - Adirondack Explorer](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNMGhWVW5DOGtvV2ZjejNlcjk2NUloY0JHWjVjdm1mQ24xNl9FZVpMd0tnRFZ3S3JUMXlKanM3TGZQN3BsTjA4aHJGalZDckxaTk9pZ3piYmpUUnFLVGZ4Q3RsQm5iM3ZfMU52TjFJTWxPekFBOHFyamdIWVU0bUZHSWRZT1pKbzVTRXdHbExRZ0IwNXo2Mi1aSHZUQmhTcTlaMHJZWnZWWDU?oc=5) · Adirondack Explorer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7356 (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/60.json (key "7356", 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.

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