Chemung Financial Corporation (CHMG)

Chemung Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	107.65	45.44	35.25	54.27	17.78	87.84
Investment Securities	32.01	169.55	184	203.31	221.52	91.96
Trading Asset Securities	17.97	23.83	23.94	26.71	9.27	14.7
Mortgage-Backed Securities	252.8	365.93	403.82	435.13	577.36	467.87
Total Investments	302.78	559.31	611.77	665.15	808.15	574.52
Gross Loans	2,202	2,071	1,973	1,829	1,518	1,536
Allowance for Loan Losses	-23.65	-21.39	-22.52	-19.66	-21.03	-20.92
Net Loans	2,179	2,050	1,950	1,810	1,497	1,516
Property, Plant & Equipment	20.32	21.82	20.22	22.56	25.2	27.26
Goodwill	21.82	21.82	21.82	21.82	21.82	21.82
Other Intangible Assets	-	-	-	-	0.02	0.26
Loans Held for Sale	3.08	-	-	-	0.4	0.17
Accrued Interest Receivable	8.6	8.5	8.5	6.95	5.99	6.27
Restricted Cash	-	1.6	1.6	1.6	9.2	20.7
Other Real Estate Owned & Foreclosed	0.21	0.65	0.33	0.2	0.11	0.24
Other Long-Term Assets	50.95	59.75	55.4	55.02	28.37	21.68
Total Assets	2,697	2,776	2,711	2,646	2,418	2,279
Interest Bearing Deposits	1,621	1,670	1,699	1,562	1,387	1,386
Institutional Deposits	104.4	101.13	76.8	31.55	28.8	31.2
Non-Interest Bearing Deposits	633.22	625.76	653.17	733.33	739.61	620.42
Total Deposits	2,359	2,397	2,429	2,327	2,155	2,038
Short-Term Borrowings	62.06	132.96	55.9	122.57	33.79	15.06
Current Portion of Leases	0.36	1.45	-	-	-	-
Accrued Interest Payable	21.55	0.5	0.7	0.45	0.21	0.26
Other Current Liabilities	-	-	1.47	1.46	1.45	1.21
Long-Term Leases	8.29	7.96	8.88	9.95	10.97	11.11
Other Long-Term Liabilities	0.55	21.09	18.91	17.52	5.16	14.33
Total Liabilities	2,451	2,561	2,515	2,479	2,207	2,080
Common Stock	0.05	0.05	0.05	0.05	0.05	0.05
Additional Paid-In Capital	49.03	48.78	47.77	47.33	46.9	46.76
Retained Earnings	250.37	247.71	229.93	211.86	188.88	168.01
Treasury Stock	-15.07	-16.17	-16.5	-17.6	-17.85	-17.53
Comprehensive Income & Other	-39.08	-65.07	-66.01	-75.26	-6.53	2.4
Shareholders' Equity	245.31	215.31	195.24	166.39	211.46	199.7
Total Liabilities & Equity	2,697	2,776	2,711	2,646	2,418	2,279
Total Debt	70.71	142.37	64.78	132.52	44.77	26.17
Net Cash (Debt)	54.9	-73.11	-5.59	-50.07	-16.08	78.51
Net Cash Growth	163.49%	-	-	-	-	-21.83%
Net Cash Per Share	11.46	-15.33	-1.18	-10.67	-3.43	16.35
Filing Date Shares Outstanding	4.79	4.79	4.75	4.71	4.67	4.66
Total Common Shares Outstanding	4.79	4.75	4.74	4.69	4.67	4.67
Book Value Per Share	51.16	45.29	41.21	35.44	45.25	42.78
Tangible Book Value	223.48	193.49	173.42	144.56	189.62	177.62
Tangible Book Value Per Share	46.61	40.70	36.61	30.79	40.57	38.05

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q