Chemung Canal Trust Co (FDIC #597): Bank Stress & Real-Estate Credit Exposure
Chemung Canal Trust Co (FDIC Cert #597): bank stress 60/100, elevated, STABLE over 7 days; parent CHEMUNG FINANCIAL CORP (CHMG).
Chemung Canal Trust Co (#597) lends in 14 counties across 2 states; Chemung Canal Trust Co (#597) reaches 344 ZIP codes: New York 13 counties, 316 ZIPs; Pennsylvania 1 county, 28 ZIPs.
Chemung Canal Trust Co (#597) largest markets: Erie County, NY (72 branches, 72 ZIPs) (#597), Albany County, NY (188 branches, 47 ZIPs) (#597), Steuben County, NY (80 branches, 40 ZIPs) (#597), Broome County, NY (62 branches, 31 ZIPs) (#597), Bradford County, PA (56 branches, 28 ZIPs) (#597), Saratoga County, NY (54 branches, 27 ZIPs) (#597).
Chemung Canal Trust Co (#597) reports $2.82 billion in total assets; Chemung Canal Trust Co (#597) equity $304.5 million (10.8% of Chemung Canal Trust Co (#597) assets); Chemung Canal Trust Co (#597) domestic deposits $2.37 billion; Chemung Canal Trust Co (#597) net income $19.3 million; Chemung Canal Trust Co (#597) return on assets 1.40%; Chemung Canal Trust Co (#597) return on equity 13.04%; Chemung Canal Trust Co (#597) net interest income $50.0 million; Chemung Canal Trust Co (#597) call report June 30, 2026.
Chemung Canal Trust Co (#597) noncurrent real-estate loans 0.03% of its book; Chemung Canal Trust Co (#597) multifamily 0.02%; Chemung Canal Trust Co (#597) net charge-offs on real estate 0.26%; Chemung Canal Trust Co (#597) residential charge-offs 0.23%.
Chemung Canal Trust Co (#597) net interest margin 3.84% against an eight-quarter Chemung Canal Trust Co (#597) average of 3.26% (Chemung Canal Trust Co (#597) compression -0.58 points); Chemung Canal Trust Co (#597) real-estate loans 3.1% of equity; Chemung Canal Trust Co (#597) non-residential real estate 22.9% of equity; Chemung Canal Trust Co (#597) rate-exposure score 40/100, Chemung Canal Trust Co (#597) fixed-rate trap 40/100; Chemung Canal Trust Co (#597) risk type credit driven; Chemung Canal Trust Co (#597) rate regime rates elevated; Chemung Canal Trust Co (#597) shares 5.1% below the 52-week high, Chemung Canal Trust Co (#597) equity trend stable, Chemung Canal Trust Co (#597) snapshot October 19, 2026.
Chemung Canal Trust Co (#597) stress score moved from 57.6 on June 22, 2026 to 59.7 on October 19, 2026; Chemung Canal Trust Co (#597) ranged 57.6 to 59.7 over 116 snapshots.
Chemung Canal Trust Co (#597) alerts: 14 counties; top Chemung Canal Trust Co (#597) alert scores: Schenectady County, NY 47 (moderate); Cortland County, NY 42 (moderate); Auburn County, NY 22 (low); Buffalo County, NY 22 (low); Corning County, NY 22 (low).