Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Esquire Bank, National Association
Bank
Chemung Canal Trust Company, National Association
Elmira, New York · $1 billion – $10 billion
Metric by metric
| Measure | Chemung Canal Trust Company, National Association | Esquire Bank, National Association |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 64 | 67 (stronger) |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 43 | 54 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 66th | 91st |
| Total assets | $2.8B | $2.5B |
| Deposits / shares | $2.4B | $2.2B |
| Capital ratio | 11.38% | 11.68% (stronger) |
| Problem loans | 0.38% | 0.27% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.54% |
| Return on assets | 1.40% | 2.34% (stronger) |
| Loans ÷ deposits | 98.9% | 85.3% (stronger) |
| Uninsured deposits | 31.4% (stronger) | 33.7% |
| Offices | 30 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | — |
Esquire Bank, National Association has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 2 and Esquire Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.