Chemung Canal Trust Company, National Association: how it compares with its peers
Against 27 NY banks with half to twice its assets, Chemung Canal Trust Company, National Association's strongest measure in Q2 2026 is net interest margin (3.84% vs. a 3.30% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $10.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.04% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 3.30% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.10% | 59.29% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $10.9M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.87% | 84.17% | Context |
What it means for lending operations
Its efficiency ratio of 58.10% is better than the 59.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Habib American Bank New York, NY · $2.84B
- Orange Bank & Trust Company Middletown, NY · $2.79B
- Industrial and Commercial Bank of China USA, National Association New York, NY · $2.86B
- Interaudi Bank New York, NY · $2.68B
- Esquire Bank, National Association Jericho, NY · $2.49B
- Bank of Greene Catskill, NY · $3.18B
Questions about Chemung Canal Trust Company, National Association
How big is Chemung Canal Trust Company, National Association?
Chemung Canal Trust Company, National Association, established in 1833, is headquartered in Elmira, NY. It reported $2.82B in total assets in its Q2 2026 FDIC call report and operates 30 offices.
What is Chemung Canal Trust Company, National Association's return on assets?
1.40% annualized in Q2 2026, against a 1.04% median for 27 NY banks with half to twice its assets, ahead of 78% of them.
What is Chemung Canal Trust Company, National Association's efficiency ratio?
58.10% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 59.29%, and lower is better.
Is Chemung Canal Trust Company, National Association growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits shrank 4.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.