For the quarter ending 2026-03-31, CHMG has $2,748,722K in assets. $2,485,793K in debts. $53,370K in cash and cash equivalents.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from financial institutions | 27,679 | 22,772 | 32,445 | 35,825 |
| Interest-earning deposits in other financial institutions | 25,691 | 27,325 | 75,201 | 284,226 |
| Total cash and cash equivalents | 53,370 | 50,097 | 107,646 | 320,051 |
| Equity investments, at estimated fair value | 3,776 | 3,765 | 3,616 | 3,387 |
| Securities available for sale, at estimated fair value (amortized cost of 322,169, at march31, 2026 and 327,888 at december 31, 2025, net of allowance for credit losses of 0 at march31, 2026 and december 31, 2025, respectively) | 275,318 | 280,598 | 280,514 | 287,335 |
| Securities held to maturity, at amortized cost (estimated fair value of 640 at march31, 2026 and december 31, 2025, net of allowance for credit losses of 0 at march31, 2026 and december 31, 2025) | 640 | 640 | 680 | 680 |
| Fhlbny and frbny stock, at cost | 8,964 | 9,466 | 5,524 | 6,826 |
| Loans, net of deferred loan fees | 2,311,705 | 2,269,561 | 2,202,356 | 2,132,414 |
| Allowance for credit losses | 24,890 | 24,209 | 23,645 | 22,665 |
| Loans, net | 2,286,815 | 2,245,352 | 2,178,711 | 2,109,749 |
| Loans held for sale | 2,708 | 2,102 | 3,075 | 2,212 |
| Premises and equipment, net | 15,050 | 15,401 | 15,376 | 15,438 |
| Operating lease right-of-use assets | 5,485 | 4,755 | 4,943 | 5,139 |
| Goodwill | 21,824 | 21,824 | 21,824 | 21,824 |
| Bank-owned life insurance | 2,711 | 2,984 | 2,976 | 2,968 |
| Interest rate swap assets | 16,671 | 17,280 | 17,966 | 18,727 |
| Accrued interest receivable and other assets | 55,390 | 55,971 | 53,783 | 58,152 |
| Total assets | 2,748,722 | 2,710,235 | 2,696,634 | 2,852,488 |
| Non interest-bearing | 641,039 | 624,532 | 633,216 | 624,389 |
| Interest-bearing | 1,672,857 | 1,646,142 | 1,725,300 | 1,844,573 |
| Total deposits | 2,313,896 | 2,270,674 | 2,358,516 | 2,468,962 |
| Overnight and short-term advances | 75,710 | 87,110 | 0 | 55,000 |
| Subordinated debt, net of issuance costs of 946 and 972, respectively | 44,054 | - | 44,002 | 44,146 |
| Long term finance lease obligation | 3,356 | 3,444 | 3,530 | 3,616 |
| Operating lease liabilities | 5,679 | 4,937 | 5,124 | 5,319 |
| Interest rate swap liabilities | 16,798 | 17,412 | 18,056 | 18,815 |
| Accrued interest payable and other liabilities | 26,300 | 27,921 | 22,098 | 21,664 |
| Total liabilities | 2,485,793 | 2,455,526 | 2,451,326 | 2,617,522 |
| Common stock, 0.01 par value per share, 10,000,000 shares authorized 5,310,076 issued at march31, 2026 and december 31, 2025 | 53 | 53 | 53 | 53 |
| Additional paid-in capital | 49,194 | 49,547 | 49,027 | 48,502 |
| Retained earnings | 264,044 | 256,484 | 250,373 | 244,211 |
| Treasury stock, at cost 491,250 shares at march31, 2026 and 519,079 shares at december 31, 2025 | 14,638 | 15,322 | 15,069 | 15,095 |
| Accumulated other comprehensive loss | -35,724 | -36,053 | -39,076 | -42,705 |
| Total shareholders' equity | 262,929 | 254,709 | 245,308 | 234,966 |
| Total liabilities and shareholders' equity | 2,748,722 | 2,710,235 | 2,696,634 | 2,852,488 |
CHEMUNG FINANCIAL CORP (CHMG)
CHEMUNG FINANCIAL CORP (CHMG)