Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Ballston Spa National Bank
Bank
Chemung Canal Trust Company, National Association
Elmira, New York · $1 billion – $10 billion
Metric by metric
| Measure | Chemung Canal Trust Company, National Association | Ballston Spa National Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 55 |
| Capital cushion | 64 (stronger) | 37 |
| Loan quality | 87 | 92 (stronger) |
| Earnings | 76 (stronger) | 24 |
| Funding & liquidity | 43 (stronger) | 42 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 66th | 13th |
| Total assets | $2.8B | $1.4B |
| Deposits / shares | $2.4B | $1.2B |
| Capital ratio | 11.38% (stronger) | 8.74% |
| Problem loans | 0.38% | 0.23% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.40% (stronger) | 0.09% |
| Loans ÷ deposits | 98.9% | 91.1% (stronger) |
| Uninsured deposits | 31.4% (stronger) | 39.8% |
| Offices | 30 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | 1.8% |
Chemung Canal Trust Company, National Association has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 5 and Ballston Spa National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.