Total Assets
$2.7B
Total balance-sheet footings
FDIC Cert #597 · Elmira, New York · Est. 1833
Chemung Canal Trust Company - FDIC Bank Health Profile
A community-scale look at Chemung Canal Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.7B
- Total assets
- B
- Health grade · Good
- 0.60%
- Return on assets
- 13.7%
- Tier 1 capital
Data updated July 2026
The verdict
Chemung Canal Trust Company earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.67% Tier 1, 0.60% ROA, 61% efficiency ratio.
- #475
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 13.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 20th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Chemung Canal Trust Company's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Chemung Canal Trust Company's composite health score
Tier 1 Capital Ratio (13.67%) 35/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (2.52%) 20/20
Efficiency Ratio (61.22%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$2.2B
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Chemung Canal Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Chemung Canal Trust Company's score of 77/100 falls in the highlighted band.
Chemung Canal Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Chemung Canal Trust Company's $2.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.67%
Texas Ratio
2.52%
Equity Capital
$288M
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.60%
Return on Equity (ROE)
6.61%
Efficiency Ratio
61.22%
What the numbers say about Chemung Canal Trust Company
Chemung Canal Trust Company is an FDIC-insured institution (Certificate #597) headquartered in Elmira, New York, established in 1833. It holds $2.7B in total assets - 475th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $2.2B in net loans. On safety, its Tier 1 capital ratio of 13.67% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.52% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New York, Chemung Canal Trust Company ranks 37th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$133M
Interest Income
$24M
Non-Interest Income
$69M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Chemung Canal Trust Company reports a Texas Ratio of 2.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Chemung Canal Trust Company (FDIC Cert #597) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Chemung Canal Trust Company's health grade?▼
Chemung Canal Trust Company receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Chemung Canal Trust Company?▼
Chemung Canal Trust Company holds $2.7B in total assets and $2.3B in deposits, ranking 475th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elmira, New York.
Is my money safe at Chemung Canal Trust Company?▼
Yes, deposits at Chemung Canal Trust Company (Certificate #597) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Chemung Canal Trust Company's Tier 1 Capital Ratio?▼
Chemung Canal Trust Company has a Tier 1 Capital Ratio of 13.67%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Chemung Canal Trust Company?▼
Chemung Canal Trust Company has a Texas Ratio of 2.52%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Chemung Canal Trust Company?▼
Chemung Canal Trust Company has an Efficiency Ratio of 61.22%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Chemung Canal Trust Company's profile as a depositor or analyst.
- Chemung Canal Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Chemung Canal Trust Company against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.