Side-by-side · Q2 2026 data
Arrow Bank National Association vs Champlain National Bank
Metric by metric
| Measure | Arrow Bank National Association | Champlain National Bank |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 43 | 59 (stronger) |
| Loan quality | 92 | 92 |
| Earnings | 64 (stronger) | 56 |
| Funding & liquidity | 49 | 63 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 40th | 47th |
| Total assets | $4.5B | $497.1M |
| Deposits / shares | $3.7B | $443.9M |
| Capital ratio | 9.33% | 10.87% (stronger) |
| Problem loans | 0.24% (stronger) | 0.25% |
| Net charge-offs | 0.09% | 0.01% (stronger) |
| Return on assets | 1.11% (stronger) | 0.90% |
| Loans ÷ deposits | 94.1% | 72.7% (stronger) |
| Uninsured deposits | 30.3% (stronger) | 37.5% |
| Offices | 54 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Champlain National Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Arrow Bank National Association leads on 3 and Champlain National Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Plattsburgh, NY
- Lake Placid, NY
- Saranac Lake, NY