Chemung Canal Trust Company, National Association (FDIC certificate #597) is based in Elmira, New York. Its Q2 2026 call report shows $2.8B in total assets and $2.4B in deposits and 30 offices across 2 states.
Chemung Canal Trust Company, National Association has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 35th. Problem-loan coverage contributes the most (93/100, 3.3%); funding & liquidity contributes the least (43/100, 99% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (60 → 72), mostly because the earnings component improved by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 61 |
| Q4 2024 | 63 |
| Q1 2025 | 63 |
| Q2 2025 | 60 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.61% |
| Q3 2024 | 8.83% |
| Q4 2024 | 8.98% |
| Q1 2025 | 9.07% |
| Q2 2025 | 10.07% |
| Q3 2025 | 10.84% |
| Q4 2025 | 11.10% |
| Q1 2026 | 11.26% |
| Q2 2026 | 11.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.38% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.88% |
| Q2 2025 | -0.01% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.60% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $2.8B | 11.38% | 0.38% | 1.40% | 98.9% |
| Q1 2026 | 73 | $2.7B | 11.26% | 0.33% | 1.44% | 98.6% |
| Q4 2025 | 65 | $2.7B | 11.10% | 0.35% | 0.60% | 98.6% |
| Q3 2025 | 64 | $2.7B | 10.84% | 0.35% | 0.40% | 92.1% |
| Q2 2025 | 60 | $2.9B | 10.07% | 0.38% | -0.01% | 85.2% |
| Q1 2025 | 63 | $2.8B | 9.07% | 0.47% | 0.88% | 85.2% |
| Q4 2024 | 63 | $2.8B | 8.98% | 0.43% | 0.86% | 85.4% |
| Q3 2024 | 61 | $2.8B | 8.83% | 0.53% | 0.86% | 81.7% |
| Q2 2024 | 62 | $2.8B | 8.61% | 0.41% | 0.88% | 82.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Habib American BankBank New York, NY | 61 out of 100, Moderate | $2.8B | 8.5% | 0.73% | vs |
| Orange Bank & Trust CompanyBank Middletown, NY | 73 out of 100, Strong | $2.8B | 13.2% | 1.12% | vs |
| Industrial and Commercial Bank of China USA, National AssociationBank New York, NY | 49 out of 100, Below average | $2.9B | 17.3% | 4.20% | vs |
| Interaudi BankBank New York, NY | 47 out of 100, Below average | $2.7B | 10.0% | 2.36% | vs |
| Esquire Bank, National AssociationBank Jericho, NY | 81 out of 100, Strong | $2.5B | 11.7% | 0.27% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
Deposit insurance
Is my money safe at Chemung Canal Trust Company, National Association?
Yes. Chemung Canal Trust Company, National Association is an FDIC-insured institution (FDIC certificate #597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.4% of deposits ($744.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.96% (benchmark: 10%).
30 locations
Branches
Chemung Canal Trust Company, National Association lists 30 offices in 24 cities across 2 states. Most locations:
- Elmira, NY (3)
- Albany, NY (2)
- Auburn, NY (2)
- Horseheads, NY (2)
- Ithaca, NY (2)
- Bath, NY (1)
- Binghamton, NY (1)
- Buffalo, NY (1)
- Canton, PA (1)
- Clifton Park, NY (1)
- Corning, NY (1)
- Cortland, NY (1)
HMDA 2025
Mortgage lending
In 2025, Chemung Canal Trust Company, National Association reported 379 home-loan applications under HMDA (LEI 549300WU17K1CLH8VI32): 275 originated ($130,445,000 total), 55 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Chemung Canal Trust Company, National Association
- Former names
- Chemung Canal Trust Company
- Type
- National bank
- FDIC certificate #
- 597
- RSSD ID
- 884303
- Primary regulator
- OCC
- Holding company
- Chemung Financial Corp
- Established
- October 22, 1833
- Headquarters
- 1 Chemung Canal Plz, Elmira, NY 14901
- Website
- www.chemungcanal.com
- Employees
- 357
Quick answers
Chemung Canal Trust Company, National Association: common questions
Is Chemung Canal Trust Company, National Association FDIC insured?
Yes. Chemung Canal Trust Company, National Association is an FDIC-insured institution (FDIC certificate #597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Chemung Canal Trust Company, National Association's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Chemung Canal Trust Company, National Association ever failed?
There is no failure record for FDIC certificate #597 in the FDIC failed bank list.
How many branches does Chemung Canal Trust Company, National Association have?
30 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Elmira
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Finger Lakes Health Care Federal Credit UnionCredit union Elmira, NY | 89 out of 100, Very strong | $35.2M | 15.5% | 0.02% | vs |
| Servu Federal Credit UnionCredit union Painted Post, NY | 86 out of 100, Very strong | $529.2M | 14.8% | 0.47% | vs |
| Solutions Federal Credit UnionCredit union Elmira, NY | 83 out of 100, Strong | $43.4M | 12.6% | 0.30% | vs |
| PS BankBank Wyalusing, PA | 83 out of 100, Strong | $674.5M | 11.2% | 0.10% | vs |
| Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA | 80 out of 100, Strong | $9.7B | 11.8% | 0.75% | vs |
| First Heritage Federal Credit UnionCredit union Corning, NY | 72 out of 100, Strong | $839.7M | 11.1% | 0.44% | vs |