BlastPoint's Banking Scorecard
Chemung Canal Trust Company
Designations: ✓ Community bank
Elmira, NY
30 branches across NY · PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits -4.4% year over year ($2.4B on the books).
- Delinquency rate 0.39%.
- Return on assets 1.40%.
- Efficiency ratio 58.10% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.87% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Chemung Canal Trust Company has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.63% below tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.4% in tier
- - Flatlined Growth: Bottom 44.4% in tier
- - Credit Risk Growth: Bottom 47.0% in tier
- - Capital Constraint: Bottom 75.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-1.1% YoY
+2.5% QoQ
|
+$24.8M |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$2.3B
+11.0% YoY
+2.4% QoQ
|
+$381.1M |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$2.4B
-4.4% YoY
+2.1% QoQ
|
+$52.3M |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.40%
-2.7% QoQ
|
+0.01% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.84%
+24.2% YoY
+1.1% QoQ
|
-0.03% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
58.10%
-9.4% YoY
+3.7% QoQ
|
-1.63% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.39%
+0.1% YoY
+17.6% QoQ
|
-0.48% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
98.87%
+16.1% YoY
+0.3% QoQ
|
+13.84% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
28.76%
+14.2% YoY
+4.2% QoQ
|
+7.49% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.39%
+34.9% YoY
+13.4% QoQ
|
-0.28% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.84%
+2.6% YoY
+0.0% QoQ
|
-1.00% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.42%
-1.9% YoY
+93.8% QoQ
|
-0.11% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.8%
+3.6pp YoY +1.2pp QoQ |
+7.4pp | 21.4% | 22.1% | 22.2% | 82% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.1%
+0.2pp YoY -0.1pp QoQ |
-0.9pp | 14.0% | 11.0% | 12.5% | 59% |
| CRE |
62.9%
+3.4pp YoY +0.9pp QoQ |
+12.9pp | 50.0% | 46.2% | 41.4% | 80% |
| 1-4 Family |
19.1%
-0.8pp YoY -0.3pp QoQ |
-7.4pp | 26.4% | 36.6% | 31.3% | 40% |
| Consumer |
4.9%
-2.5pp YoY -0.5pp QoQ |
+0.2pp | 4.7% | 5.1% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+0.3pp YoY 0.0pp QoQ |
-1.8pp | 15.6% | 26.1% | 19.7% | 55% |
| Leverage Ratio |
11.4%
+1.3pp YoY +0.1pp QoQ |
+0.1pp | 11.3% | 13.9% | 12.6% | 67% |
| Total Capital Ratio |
15.0%
+0.4pp YoY 0.0pp QoQ |
-1.7pp | 16.7% | 27.2% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
357
+6 (+1.7%) YoY +26 (+7.9%) QoQ |
+43 | 313 | 914 | 482 | 74% |
| Assets per Employee ($) |
$7.9M
-2.8% YoY -4.9% QoQ |
-$2.6M | $10.5M | $14.8M | $8.8M | 38% |
| Branch Count |
30
0 YoY 0 QoQ |
+10 | 20 | 27 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY +0.1pp QoQ |
-0.4pp | 0.8% | 1.3% | 1.0% | 39% |
| Allowance Coverage |
2.77x
+0.2% YoY -15.8% QoQ |
-15.94x | 18.71x | 1.92x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+13.1pp YoY -0.4pp QoQ |
+0.4pp | 12.6% | 7.9% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.4%
-0.4pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.8% | 1.7% | 18% |
| Net Income ($, YTD) |
$19.3M
+16604.3% YoY — QoQ |
+$68K | $19.2M | $111.2M | $40.4M | 68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.