Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

CHEMUNG CANAL TRUST CO

FDIC #597 · NY · period 20260630

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Total assets1,642,014-5.29% YoY

Total deposits1,437,665-7.14% YoY

Net loans and leases1,172,960-3.80% YoY

Return on assets0.69%+4.50% YoY

Return on equity8.34%+4.51% YoY

Net interest margin3.43%+0.53% YoY

Peer position

Return on assets62ndin line · n=902

Return on equity58thin line · n=894

Net interest margin59thin line · n=902

Equity to assets57thin line · n=894

Noncurrent loans62ndin line · n=887

Liquid assets13thopportunity · n=895

Brokered deposits100thstrength · n=890

Loans to deposits18thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,642,014	1,437,665	1,172,960	0.69	8.34	3.43
2016-06-30	1,681,818	1,471,189	1,187,297	0.54	6.52	3.38
2016-09-30	1,726,712	1,512,337	1,201,360	0.56	6.80	3.35
2016-12-31	1,655,664	1,460,174	1,186,449	0.59	7.09	3.37
2017-03-31	1,733,682	1,548,170	1,219,311	0.66	7.98	3.41
2017-06-30	1,715,357	1,528,932	1,237,929	0.66	7.91	3.45
2017-09-30	1,728,449	1,540,978	1,274,365	0.71	8.52	3.53
2017-12-31	1,704,254	1,471,400	1,291,206	0.40	4.79	3.57
2018-03-31	1,696,537	1,522,534	1,298,710	1.04	12.32	3.75
2018-06-30	1,705,606	1,482,996	1,315,483	0.80	9.50	3.77
2018-09-30	1,750,057	1,582,101	1,302,718	1.06	12.57	3.75
2018-12-31	1,751,794	1,574,464	1,293,463	1.11	13.02	3.76
2019-03-31	1,765,521	1,570,610	1,279,950	0.96	10.47	3.69
2019-06-30	1,748,071	1,545,501	1,269,341	1.04	11.08	3.70
2019-09-30	1,789,350	1,581,705	1,284,028	0.82	8.68	3.69
2019-12-31	1,783,276	1,577,044	1,286,927	0.85	8.91	3.69
2020-03-31	1,836,690	1,612,245	1,295,029	0.49	4.94	3.59
2020-06-30	2,045,411	1,812,745	1,475,359	0.83	8.56	3.49
2020-09-30	2,160,200	1,926,741	1,515,962	0.90	9.60	3.40
2020-12-31	2,274,470	2,040,900	1,515,709	0.90	9.77	3.34
2021-03-31	2,437,330	2,213,126	1,560,335	1.05	13.01	2.84
2021-06-30	2,374,724	2,140,982	1,537,323	1.08	13.24	2.85
2021-09-30	2,412,643	2,177,933	1,495,952	1.06	13.05	2.89
2021-12-31	2,413,407	2,159,172	1,497,620	1.05	12.81	2.90
2022-03-31	2,471,161	2,252,663	1,546,942	1.08	13.78	2.87
2022-06-30	2,444,937	2,185,752	1,600,077	1.17	15.71	2.97
2022-09-30	2,547,703	2,337,046	1,724,123	1.10	15.68	3.05
2022-12-31	2,641,568	2,331,478	1,809,789	1.10	16.10	3.15
2023-03-31	2,649,923	2,336,601	1,853,626	1.04	16.90	3.21
2023-06-30	2,670,180	2,394,590	1,874,519	0.97	15.69	3.09
2023-09-30	2,704,760	2,479,398	1,910,435	1.02	16.69	3.02
2023-12-31	2,708,426	2,437,037	1,950,147	0.90	14.39	2.97
2024-03-31	2,784,031	2,488,372	1,983,235	1.03	15.16	2.79
2024-06-30	2,753,767	2,421,997	1,990,822	0.88	12.84	2.77
2024-09-30	2,774,691	2,456,740	2,007,512	0.86	12.18	2.79
2024-12-31	2,775,430	2,400,921	2,050,031	0.86	12.00	2.85
2025-03-31	2,796,650	2,437,119	2,075,398	0.88	11.33	3.03
2025-06-30	2,850,563	2,479,871	2,111,961	-0.01	-0.10	3.09
2025-09-30	2,696,030	2,369,309	2,181,786	0.40	4.56	3.28
2025-12-31	2,709,552	2,279,501	2,247,454	0.60	6.61	3.42
2026-03-31	2,748,374	2,322,605	2,289,523	1.44	13.45	3.80
2026-06-30	2,818,102	2,371,123	2,344,346	1.40	13.04	3.84

Structure and branch footprint

30 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2011-04-09	1	2374901	884303
2009-05-30	1	898010	884303
1995-01-03	1	730615	884303
1994-06-04	50	988078	884303
1974-05-01	1	67704	884303

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.