BlastPoint's Banking Scorecard
Chemung Canal Trust Company
Designations: ✓ Community bank
Elmira, NY
30 branches across NY · PA
Chemung Canal Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 5.02% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 41.3% in tier
- - Capital Constraint: Bottom 67.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
-1.7% YoY
+1.4% QoQ
|
-$67.3M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$2.3B
+10.3% YoY
+1.9% QoQ
|
+$324.7M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$2.3B
-4.7% YoY
+1.9% QoQ
|
-$20.7M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.44%
+63.6% YoY
+138.2% QoQ
|
+0.07% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.80%
+25.5% YoY
+11.0% QoQ
|
-0.02% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
56.04%
-13.6% YoY
-8.5% QoQ
|
-5.02% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.33%
-30.6% YoY
-5.6% QoQ
|
-0.56% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
98.58%
+15.8% YoY
-0.0% QoQ
|
+14.37% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
27.60%
+8.5% YoY
+0.7% QoQ
|
+6.31% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.34%
-4.9% YoY
+18.5% QoQ
|
-0.33% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.83%
+14.2% YoY
+1.2% QoQ
|
-1.33% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.21%
+5.6% YoY
-75.8% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.