BlastPoint's Banking Scorecard

Champlain National Bank

$100M-$1B Specialty: Commercial NY FDIC cert 7356

Elizabethtown, NY

10 branches across NY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +4.6% year over year ($443.9M on the books).
Delinquency rate 0.26%.
Return on assets 0.90%.
Efficiency ratio 71.64% vs a 64.48% peer average.
Loan-to-deposit ratio 72.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Champlain National Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 26.0% in tier
- Capital Thin: Bottom 35.5% in tier
- Flatlined Growth: Bottom 44.4% in tier
- ROA 0.43% below tier average
- Net Interest Margin 0.32% below tier average
- Efficiency Ratio 7.16% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$497.1M +1.6% YoY -0.6% QoQ	+$110.5M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	72%
Total Loans ?	$322.8M -3.1% YoY -1.2% QoQ	+$64.5M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$443.9M +4.6% YoY -1.0% QoQ	+$117.1M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	0.90% +28.9% YoY +10.2% QoQ	-0.43%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	3.67% +8.8% YoY +0.5% QoQ	-0.32%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	71.64% -1.8% YoY -0.3% QoQ	+7.16%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	26%
Delinquency Rate ?	0.26% +124.5% YoY +1.2% QoQ	-0.66%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	72.73% -7.4% YoY -0.2% QoQ	-5.22%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	29.37% -3.3% YoY +2.8% QoQ	+7.34%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.17% +114.0% YoY +0.6% QoQ	-0.50%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	10.87% +7.9% YoY +1.6% QoQ	-5.04%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.23% +8.2% YoY +95.6% QoQ	-0.34%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	59%

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	29.4% -1.0pp YoY +0.8pp QoQ	+7.2pp	22.1%	22.1%	22.2%	80%
Brokered Deposits	5.7% -1.9pp YoY -1.0pp QoQ	-2.1pp	7.9%	8.0%	8.5%	57%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	6.1% 0.0pp YoY +0.1pp QoQ	-5.5pp	11.6%	11.0%	12.5%	26%
CRE	60.9% +1.9pp YoY -0.1pp QoQ	+21.4pp	39.5%	46.2%	41.4%	86%
1-4 Family	22.2% -0.5pp YoY +0.3pp QoQ	-10.4pp	32.6%	36.6%	31.3%	35%
Consumer	10.9% -1.5pp YoY 0.0pp QoQ	+6.7pp	4.1%	5.1%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.1%	19.7%	n/a
Leverage Ratio	10.9% +0.8pp YoY +0.2pp QoQ	-1.3pp	12.2%	13.9%	12.6%	48%
Total Capital Ratio	n/a	n/a	19.9%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	75 +3 (+4.2%) YoY +1 (+1.4%) QoQ	+16	58	914	482	74%
Assets per Employee ($)	$6.6M -2.5% YoY -2.0% QoQ	-$891K	$7.5M	$14.8M	$8.8M	45%
Branch Count	10 0 YoY 0 QoQ	+5	4	27	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.3%	1.0%	34%
Allowance Coverage	4.15x -56.1% YoY -1.6% QoQ	-20.01x	24.15x	1.92x	20.23x	66%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	45%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	11.9% +0.4pp YoY +1.0pp QoQ	-0.3pp	12.2%	7.9%	11.6%	49%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.8%	1.7%	22%
Net Income ($, YTD)	$2.2M +31.0% YoY — QoQ	-$340K	$2.6M	$111.2M	$40.4M	57%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#327 of 1256 • Bottom 26.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Capital Thin

risk

#236 of 661 • Bottom 35.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.87%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Flatlined Growth

risk

#236 of 529 • Bottom 44.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.90%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

526

Non-Interest-Bearing Deposit Share

funding

Value: 29.37%

Peer Median: 22.03%

#526 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (1 metrics)

2072

Tier 1 Capital Ratio

capital

Value: 10.87%

Peer Median: 15.91%

#2072 of 2643 Bottom 21.6% in $100M-$1B