Champlain National Bank
Elizabethtown, NY
IDRSSD: 126012
Total Assets
$485.84M
Latest filing
Total Deposits
$422.42M
Latest filing
Net Interest Margin
3.67%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Champlain National Bank
7558 Us Route 9
Elizabethtown, NY 12932
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 4811
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Champlain National Bank (Main) | 7558 Us Route 9 | Elizabethtown, NY |
| WESTPORT BRANCH | 6478 Main St | Westport, NY |
| CROWN POINT BRANCH | 2687 Main St | Crown Point, NY |
| KEENE BRANCH | 10849 Nys Route 9n | Keene, NY |
| WILLSBORO BRANCH | 3900 Nys Route 22 | Willsboro, NY |
| PLATTSBURGH BRANCH | 32 Cornelia St | Plattsburgh, NY |
| CHAMPLAIN BRANCH | 636 Route 11 | Champlain, NY |
| WEST PLATTSBURGH BRANCH | 500 Route 3 | Plattsburgh, NY |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12932 |
| State and County Number | 36031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 69 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.champlainbank.com |
| Data Updated | 01/30/2026 |
| CERT | 7356 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $485.84M |
| Total Deposits | $422.42M |
| Total Liabilities | $449.04M |
| Total Equity Capital | $36.80M |
| Net Income | $1.18M |
| Net Loans and Leases | $327.79M |
| Assets Per Employee ($Millions) | $6.84M |
| Bank Premises and Fixed Assets | $3.95M |
| Cash and Balances due from Depository Institutions | $7.08M |
| Deposits Held in Domestic Offices | $422.42M |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 13.35% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 69.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.574% |
| Earning Assets to total Assets | 92.9% |
Income and Expense
| Total Interest Income | $5.73M |
| Total Noninterest Income | $550.00k |
| Total Interest Expense | $1.48M |
| Total Noninterest Expense | $3.35M |
| Net Interest Income | $4.25M |
| Pre-tax Net Operating Income | $1.42M |
| Provision for Credit Losses | $29.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.42M |
| Total Liabilities and Capital | $485.84M |
Securities
| Securities | $119.47M |
| Available-for-sale debt securities | $113.72M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $5.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Champlain National Bank?
$485.84M as of the latest filing.
How much are Champlain National Bank's total deposits?
$422.42M in total deposits.
Where is Champlain National Bank located?
Elizabethtown, NY.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$327.79M (latest filing).
What is the total interest income (latest filing)?
$5.73M.