Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Orange Bank & Trust Company
Bank
Chemung Canal Trust Company, National Association
Elmira, New York · $1 billion – $10 billion
Metric by metric
| Measure | Chemung Canal Trust Company, National Association | Orange Bank & Trust Company |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 64 | 82 (stronger) |
| Loan quality | 87 (stronger) | 63 |
| Earnings | 76 | 95 (stronger) |
| Funding & liquidity | 43 (stronger) | 31 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 66th | 70th |
| Total assets | $2.8B | $2.8B |
| Deposits / shares | $2.4B | $2.4B |
| Capital ratio | 11.38% | 13.15% (stronger) |
| Problem loans | 0.38% (stronger) | 1.12% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.40% | 1.88% (stronger) |
| Loans ÷ deposits | 98.9% | 79.6% (stronger) |
| Uninsured deposits | 31.4% (stronger) | 60.8% |
| Offices | 30 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | 16.5% |
Orange Bank & Trust Company has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 3 and Orange Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.