Champlain National Bank (FDIC #7356): Bank Stress & Real-Estate Credit Exposure
Champlain National Bank (FDIC Cert #7356): bank stress 81/100, severe, STABLE over 7 days; parent CHAMPLAIN BANK CORP.
Champlain National Bank (#7356) lends in 3 counties across 1 state; Champlain National Bank (#7356) reaches 80 ZIP codes: New York 3 counties, 80 ZIPs.
Champlain National Bank (#7356) largest markets: Essex County, NY (216 branches, 36 ZIPs) (#7356), Clinton County, NY (81 branches, 27 ZIPs) (#7356), Franklin County, NY (24 branches, 24 ZIPs) (#7356).
Champlain National Bank (#7356) reports $497.1 million in total assets; Champlain National Bank (#7356) equity $38.4 million (7.7% of Champlain National Bank (#7356) assets); Champlain National Bank (#7356) domestic deposits $443.9 million; Champlain National Bank (#7356) net income $2.2 million; Champlain National Bank (#7356) return on assets 0.90%; Champlain National Bank (#7356) return on equity 11.87%; Champlain National Bank (#7356) net interest income $8.4 million; Champlain National Bank (#7356) call report June 30, 2026.
Champlain National Bank (#7356) noncurrent real-estate loans: none reported; Champlain National Bank (#7356) net charge-offs on real estate 0.31%; Champlain National Bank (#7356) multifamily charge-offs 1.11%.
Champlain National Bank (#7356) net interest margin 3.67% against an eight-quarter Champlain National Bank (#7356) average of 3.36% (Champlain National Bank (#7356) compression -0.31 points); Champlain National Bank (#7356) rate-exposure score 40/100, Champlain National Bank (#7356) fixed-rate trap 40/100; Champlain National Bank (#7356) risk type credit driven; Champlain National Bank (#7356) rate regime rates elevated, Champlain National Bank (#7356) snapshot October 20, 2026.
Champlain National Bank (#7356) stress score moved from 82 on June 22, 2026 to 80.6 on October 20, 2026; Champlain National Bank (#7356) ranged 80.6 to 82 over 117 snapshots.
Champlain National Bank (#7356) alerts: 3 counties; top Champlain National Bank (#7356) alert scores: Plattsburgh County, NY 28 (low); Saranac Lake County, NY 28 (low); Willsboro County, NY 28 (low).