BlastPoint's Banking Scorecard
Chemung Canal Trust Company
Community
Specialty: Commercial
NY
FDIC cert 597
Elmira, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Chemung Canal Trust Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 44% in Community
- - Capital Constraint: Bottom 57% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
-2.4% YoY
+0.5% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$2.2B
+9.6% YoY
+3.0% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.3B
-5.1% YoY
-3.8% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.60%
-30.0% YoY
+51.0% QoQ
|
-0.56% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.42%
+20.1% YoY
+4.3% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
61.22%
-10.8% YoY
-1.9% QoQ
|
-1.41% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.35%
-20.0% YoY
-1.3% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
98.59%
+15.5% YoY
+7.1% QoQ
|
+15.53% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
27.40%
+5.1% YoY
+2.5% QoQ
|
+6.36% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.29%
-14.1% YoY
+0.4% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.67%
+13.6% YoY
-0.6% QoQ
|
+3.43% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.89%
+12.6% YoY
+34.7% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Deposit Outflow
decline
#110 of 248 · Bottom 44% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#27 of 47 · Bottom 57% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
98.59%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.67%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.40% · Tier avg: 21.05%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.67% · Tier avg: 10.24%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
53
53th pctile
Efficiency Ratio
Current: 61.22% · Tier avg: 62.63%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.59% · Tier avg: 83.06%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
Top Weaknesses
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.59% · Tier avg: 83.06%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
53
53th pctile
Efficiency Ratio
Current: 61.22% · Tier avg: 62.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.67% · Tier avg: 10.24%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.40% · Tier avg: 21.05%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M