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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Chemung Canal Trust Co.

Elmira, New York · $2.82B in assets · beside the 11 other New York banks between $1B and $3B

The filing

375.1%
CRE / capital
10th of 11
99.9%
Loans / deposits
9th of 11
1.37%
ROA
3rd of 11

Chemung Canal Trust Co. is the third largest of the 12 New York banks nearest its size between $1B and $3B, with $2.82B in assets at 30 June 2026. Loans are 99.9% of deposits, 9th of 11 against a median of 94.1%, and equity is 10.8% of assets, 8th of 11. Loans grew +11.0% in the year, 7th of 12, and deposits fell 4.4%; the cohort's median loan growth is +11.1%.

Noncurrent loans are 0.38% of the book, 4th of 12 against a median of 0.65%; 0.35% is 30 to 89 days past due, and the allowance covers them 2.8 times. Commercial real estate is 54.5% of loans, 9th of 12 against a median of 39.5%, and 375% of capital, above the 300% screen, with construction at 41% against the 100% screen.

Return on assets is 1.37%, 3rd of 11 against a median of 1.04%, on an efficiency ratio of 58.1%, 5th of 11. Five years ago it was 1.04%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 7.7% of loans).

Commercial real estate against capital, the 300% screenNY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 241% MB Mizuho Bank USA 0% MF Maspeth Federal Savings & Loan Association 141% IC Industrial & Commercial Bank Chi 154% EB Esquire Bank National Association 166% PB Pioneer Bank National Association 236% IB Interaudi Bank 241% SB Shinhan Bank America 257% HC Hanover Community Bank 346% OB Orange Bank & Trust Co. 353% CC Chemung Canal Trust Co. 375% HA Habib American Bank 526%
Loans, year over yearNY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +11.1% AI Allied Irish Banks +43.9% EB Esquire Bank National Association +27.6% PB Pioneer Bank National Association +21.2% SB Shinhan Bank America +14.8% HA Habib American Bank +13.3% IB Interaudi Bank +11.3% CC Chemung Canal Trust Co. +11.0% OB Orange Bank & Trust Co. +2.9% HC Hanover Community Bank +1.2% MF Maspeth Federal Savings & Loan Association +0.5% IC Industrial & Commercial Bank Chi -0.6% MB Mizuho Bank USA -83.6%

SBA 7(a), FY2008 to FY2026

Chemung Canal Trust Co. is the 103rd largest 7(a) lender into New York of 402, with $24M across 138 loans, 0.1% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 8 of its 19 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Chemung, NY$6M4th of 3110.3%-6.6 pts
Albany, NY$4M19th of 761.1%+1.4 pts
Saratoga, NY$3M16th of 581.6%-7.5 pts
Steuben, NY$3M14th of 372.6%-9.7 pts
Tioga, NY$2M5th of 198.2%+2.8 pts
Columbia, NY$1M15th of 392.5%quiet FY2022
Tompkins, NY$1M17th of 411.3%quiet FY2021
Bradford, PA$976K9th of 203.3%-6.4 pts
Rensselaer, NY$696K22nd of 400.7%+1.9 pts
Schuyler, NY$666K8th of 203.8%-2.1 pts
Onondaga, NY$660K60th of 900.1%+0.4 pts
Schenectady, NY$650K26th of 480.7%quiet FY2020
Seneca, NY$380K12th of 161.6%-10.7 pts
6 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction15$5M18.1%0.01%609th of 2,063
Accommodation & food services28$4M14.1%0.00%975th of 2,596
Retail trade20$3M13.5%0.01%897th of 2,589
Professional & technical services14$2M8.9%0.01%696th of 1,955
Manufacturing17$2M8.8%0.01%1047th of 2,246
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Chemung Canal Trust Co.
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans CC Chemung Canal Trust Company 0.1% $24M · 138 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Chemung Canal Trust Co.RankCohort median
Total CRE against capital, the 300% screen375%10th of 11241%
Construction against capital, the 100% screen41%10th of 114%
Construction and land development, share of loans6.0%11th of 120.8%
Non-owner-occupied nonfarm nonresidential, share of loans29.0%6th of 1129.0%
Total CRE, the guidance definition, share of loans54.5%9th of 1239.5%
CRE growth over 36 months, the third prong+45.0%8th of 10+30.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Industrial & Commercial Bank Chi$2.86B0.7%70.7%4.20%0.00%0.8%122.9%17.4%
Habib American Bank$2.84B1.0%55.9%0.73%0.00%1.3%79.1%8.9%
Chemung Canal Trust Co.$2.82B1.4%58.1%0.38%0.01%1.1%99.9%10.8%
Orange Bank & Trust Co.$2.79B1.9%54.6%1.12%0.05%1.3%80.7%11.1%
Interaudi Bank$2.68B1.2%53.8%2.36%0.00%0.6%70.0%10.1%
Esquire Bank National Association$2.49B2.3%45.3%0.27%0.52%1.3%86.5%11.2%
Allied Irish Banks$2.43Bno recordno record0.00%no recordno recordno recordno record
Pioneer Bank National Association$2.34B0.7%76.9%0.48%0.16%1.5%94.5%12.2%
Hanover Community Bank$2.33B0.7%72.1%1.42%0.06%1.0%99.4%10.1%
Shinhan Bank America$2.23B0.6%74.5%0.57%-0.01%0.7%94.1%11.6%
Maspeth Federal Savings & Loan Association$2.21B1.1%59.3%1.22%0.00%0.9%140.1%34.9%
Mizuho Bank USA$2.14B1.0%93.1%0.00%0.00%0.4%23.0%14.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Chemung Canal Trust Co.Cohort median
20212026Change20212026Change
Loans$1.56B$2.37B+52%$1.29B$1.91B+48%
Deposits$2.14B$2.37B+11%$1.61B$2.11B+31%
NPA / loans0.55%0.38%-0.17 pts0.69%0.65%-0.04 pts
Efficiency62.9%58.1%-4.8 pts66.0%59.3%-6.8 pts
ROA1.04%1.37%+0.33 pts0.54%1.04%+0.50 pts

This read was prepared for Chemung Canal Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Chemung Canal Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $1B to $3B
Institution WWW.CHEMUNGCANAL.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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