Champlain National Bank: how it compares with its peers
Against 36 NY banks with half to twice its assets, Champlain National Bank's strongest measure in Q2 2026 is return on assets (0.90% vs. a 0.64% peer median). Its weakest relative measure is assets per employee ($6.6M vs. $7.1M).
| Measure | Champlain National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.90% | 0.64% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.66% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.64% | 74.44% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $7.1M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.73% | 89.64% | Context |
What it means for lending operations
Its efficiency ratio of 71.64% is better than the 74.44% 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
- Fulton Savings Bank Fulton, NY · $492M
- Piermont Bank New York, NY · $505M
- Wallkill Valley Federal Savings and Loan Association Wallkill, NY · $485M
- Rondout Savings Bank Kingston, NY · $512M
- Cross County Savings Bank Middle Village, NY · $525M
- The Berkshire Bank New York, NY · $530M
Questions about Champlain National Bank
How big is Champlain National Bank?
Champlain National Bank, established in 1934, is headquartered in Elizabethtown, NY. It reported $497M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Champlain National Bank's return on assets?
0.90% annualized in Q2 2026, against a 0.64% median for 36 NY banks with half to twice its assets, ahead of 67% of them.
What is Champlain National Bank's efficiency ratio?
71.64% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 74.44%, and lower is better.
Is Champlain National Bank growing its loans?
Net loans shrank 3.1% over the year to Q2 2026, while deposits grew 4.6%.
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.