Chemung Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	50.1	45.44	35.25	54.27	17.78
Investment Securities	4.41	169.55	184	203.31	221.52
Trading Asset Securities	-	23.83	23.94	26.71	9.27
Mortgage-Backed Securities	280.6	365.93	403.82	435.13	577.36
Total Investments	285	559.31	611.77	665.15	808.15
Gross Loans	2,270	2,071	1,973	1,829	1,518
Allowance for Loan Losses	-24.21	-21.39	-22.52	-19.66	-21.03
Net Loans	2,245	2,050	1,950	1,810	1,497
Property, Plant & Equipment	20.16	21.82	20.22	22.56	25.2
Goodwill	21.82	21.82	21.82	21.82	21.82
Other Intangible Assets	-	-	-	-	0.02
Loans Held for Sale	2.1	-	-	-	0.4
Accrued Interest Receivable	75.98	8.5	8.5	6.95	5.99
Restricted Cash	-	1.6	1.6	1.6	9.2
Other Real Estate Owned & Foreclosed	0.26	0.65	0.33	0.2	0.11
Other Long-Term Assets	-	59.75	55.4	55.02	28.37
Total Assets	2,710	2,776	2,711	2,646	2,418
Interest Bearing Deposits	1,646	1,670	1,699	1,562	1,387
Institutional Deposits	-	101.13	76.8	31.55	28.8
Non-Interest Bearing Deposits	624.53	625.76	653.17	733.33	739.61
Total Deposits	2,271	2,397	2,429	2,327	2,155
Short-Term Borrowings	-	132.96	55.9	122.57	33.79
Current Portion of Leases	-	1.45	-	-	-
Accrued Interest Payable	45.33	0.5	0.7	0.45	0.21
Other Current Liabilities	-	-	1.47	1.46	1.45
Long-Term Debt	134.58	-	-	-	-
Long-Term Leases	4.94	7.96	8.88	9.95	10.97
Other Long-Term Liabilities	-	21.09	18.91	17.52	5.16
Total Liabilities	2,456	2,561	2,515	2,479	2,207
Common Stock	0.05	0.05	0.05	0.05	0.05
Additional Paid-In Capital	49.55	48.78	47.77	47.33	46.9
Retained Earnings	256.48	247.71	229.93	211.86	188.88
Treasury Stock	-15.32	-16.17	-16.5	-17.6	-17.85
Comprehensive Income & Other	-36.05	-65.07	-66.01	-75.26	-6.53
Shareholders' Equity	254.71	215.31	195.24	166.39	211.46
Total Liabilities & Equity	2,710	2,776	2,711	2,646	2,418
Total Debt	139.52	142.37	64.78	132.52	44.77
Net Cash (Debt)	-89.42	-73.11	-5.59	-50.07	-16.08
Net Cash Per Share	-18.61	-15.33	-1.18	-10.67	-3.43
Filing Date Shares Outstanding	4.81	4.79	4.75	4.71	4.67
Total Common Shares Outstanding	4.81	4.75	4.74	4.69	4.67
Book Value Per Share	52.97	45.29	41.21	35.44	45.25
Tangible Book Value	232.89	193.49	173.42	144.56	189.62
Tangible Book Value Per Share	48.43	40.70	36.61	30.79	40.57

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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