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	4.3	169.55	184	203.31	221.52	91.96
Trading Asset Securities	-	23.83	23.94	26.71	9.27	14.7
Mortgage-Backed Securities	280.51	365.93	403.82	435.13	577.36	467.87
Total Investments	284.81	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	74.52	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	-	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	1,725	1,670	1,699	1,562	1,387	1,386
Institutional Deposits	-	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	-	132.96	55.9	122.57	33.79	15.06
Current Portion of Leases	-	1.45	-	-	-	-
Accrued Interest Payable	40.15	0.5	0.7	0.45	0.21	0.26
Other Current Liabilities	-	-	1.47	1.46	1.45	1.21
Long-Term Debt	44.03	-	-	-	-	-
Long-Term Leases	8.62	7.96	8.88	9.95	10.97	11.11
Other Long-Term Liabilities	-	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	52.66	142.37	64.78	132.52	44.77	26.17
Net Cash (Debt)	54.99	-73.11	-5.59	-50.07	-16.08	78.51
Net Cash Growth	163.92%	-	-	-	-	-21.83%
Net Cash Per Share	11.47	-15.33	-1.18	-10.67	-3.43	16.35
Filing Date Shares Outstanding	4.81	4.79	4.75	4.71	4.67	4.66
Total Common Shares Outstanding	4.81	4.75	4.74	4.69	4.67	4.67
Book Value Per Share	50.98	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	46.44	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