BlastPoint's Banking Scorecard
Champlain National Bank
Elizabethtown, NY
10 branches across NY
Champlain National Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.0% in tier
- - Capital Thin: Bottom 24.8% in tier
- - Flatlined Growth: Bottom 31.8% in tier
- - ROA 0.46% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 6.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$500.2M
+0.7% YoY
+3.0% QoQ
|
+$114.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$326.9M
+0.2% YoY
-0.3% QoQ
|
+$71.1M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$448.3M
-0.8% YoY
+6.1% QoQ
|
+$120.4M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.81%
+27.9% YoY
-0.7% QoQ
|
-0.46% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.65%
+11.4% YoY
+3.9% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
71.88%
-3.4% YoY
+1.5% QoQ
|
+6.59% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.25%
+29.3% YoY
+566.4% QoQ
|
-0.64% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
72.90%
+1.0% YoY
-6.0% QoQ
|
-3.73% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
28.58%
+0.2% YoY
-8.1% QoQ
|
+6.56% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.16%
+28.6% YoY
+545.4% QoQ
|
-0.47% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
10.70%
+8.7% YoY
+1.3% QoQ
|
-5.13% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.12%
+14.6% YoY
-74.0% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.