Chemung Canal Trust Company
Elmira, NY
IDRSSD: 884303
Total Assets
$2.70B
Latest filing
Total Deposits
$2.37B
Latest filing
Net Interest Margin
3.61%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Chemung Canal Trust Company
1 Chemung Canal Plz
Elmira, NY 14901
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/22/1833FDIC Certificate 404
Branches (29)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Chemung Canal Trust Company (Main) | 1 Chemung Canal Plz | Elmira, NY |
| WEST SIDE BRANCH | 628 W Church St | Elmira, NY |
| HORSEHEADS BRANCH | 602 S Main St | Horseheads, NY |
| ARNOT ROAD OFFICE BRANCH | 29 Arnot Rd | Horseheads, NY |
| SOUTHPORT BRANCH | 951 Pennsylvania Ave | Elmira, NY |
| WAVERLY BRANCH | 405 Chemung St | Waverly, NY |
| ELMIRA HEIGHTS BRANCH | 100 W Mccanns Blvd | Elmira Heights, NY |
| CORNING BRANCH | 149 W Market St | Corning, NY |
Showing 7 of 29
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, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 10/22/1833 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14901 |
| State and County Number | 36015 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Elmira, NY |
Operational Info
| Number of Employees | 351 |
| Domestic Offices | 30 |
| 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 | WWW.CHEMUNGCANAL.COM |
| Data Updated | 11/14/2025 |
| CERT | 597 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.70B |
| Total Deposits | $2.37B |
| Total Liabilities | $2.42B |
| Total Equity Capital | $277.33M |
| Net Income | $8.46M |
| Net Loans and Leases | $2.18B |
| Assets Per Employee ($Millions) | $8.05M |
| Bank Premises and Fixed Assets | $20.32M |
| Cash and Balances due from Depository Institutions | $107.65M |
| Deposits Held in Domestic Offices | $2.37B |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 12.44% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 59.21% |
| Tier 1 Risk-Based Capital Ratio | 13.754% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.286% |
| Earning Assets to total Assets | 94.26% |
Income and Expense
| Total Interest Income | $33.88M |
| Total Noninterest Income | $5.65M |
| Total Interest Expense | $10.30M |
| Total Noninterest Expense | $17.31M |
| Net Interest Income | $23.58M |
| Pre-tax Net Operating Income | $10.86M |
| Provision for Credit Losses | $1.06M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $56.00k |
| Other borrowed funds | $3.53M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $45.87M |
| Total Liabilities and Capital | $2.70B |
Securities
| Securities | $284.22M |
| Available-for-sale debt securities | $280.51M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $680.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Chemung Canal Trust Company?
$2.70B as of the latest filing.
How much are Chemung Canal Trust Company's total deposits?
$2.37B in total deposits.
Where is Chemung Canal Trust Company located?
Elmira, NY.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
30.
When was it established?
10/22/1833.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$2.18B (latest filing).
What is the total interest income (latest filing)?
$33.88M.