Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Tioga State 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 | Tioga State Bank National Association |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 64 | 64 |
| Loan quality | 87 (stronger) | 67 |
| Earnings | 76 (stronger) | 72 |
| Funding & liquidity | 43 | 80 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 66th | 47th |
| Total assets | $2.8B | $625.2M |
| Deposits / shares | $2.4B | $538.1M |
| Capital ratio | 11.38% (stronger) | 11.38% |
| Problem loans | 0.38% (stronger) | 1.00% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.40% (stronger) | 1.31% |
| Loans ÷ deposits | 98.9% | 71.9% (stronger) |
| Uninsured deposits | 31.4% | 22.4% (stronger) |
| Offices | 30 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | — |
Chemung Canal Trust Company, National Association has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 5 and Tioga State Bank National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Binghamton, NY
- Owego, NY
- Vestal, NY
- Waverly, NY