Chemung Financial Corporation (CHMG)

Chemung Financial Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	73.11	48.5	45.44	35.25	54.27	17.78
Investment Securities	28.24	31.7	169.55	184	203.31	221.52
Trading Asset Securities	17.55	17.28	23.83	23.94	26.71	9.27
Mortgage-Backed Securities	242.47	253.31	365.93	403.82	435.13	577.36
Total Investments	288.26	302.28	559.31	611.77	665.15	808.15
Gross Loans	2,367	2,270	2,071	1,973	1,829	1,518
Allowance for Loan Losses	-25.23	-24.21	-21.39	-22.52	-19.66	-21.03
Net Loans	2,342	2,245	2,050	1,950	1,810	1,497
Property, Plant & Equipment	20.13	20.16	21.82	20.22	22.56	25.2
Goodwill	21.82	21.82	21.82	21.82	21.82	21.82
Other Intangible Assets	-	-	-	-	-	0.02
Loans Held for Sale	2.43	2.1	-	-	-	0.4
Accrued Interest Receivable	9.3	9.3	8.5	8.5	6.95	5.99
Restricted Cash	-	1.6	1.6	1.6	1.6	9.2
Other Real Estate Owned & Foreclosed	2.05	0.26	0.65	0.33	0.2	0.11
Other Long-Term Assets	54.59	52.4	57.85	55.4	55.02	28.37
Total Assets	2,820	2,710	2,776	2,711	2,646	2,418

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	1,580	1,547	1,670	1,699	1,562	1,387
Institutional Deposits	101.79	98.71	101.13	76.8	31.55	28.8
Non-Interest Bearing Deposits	681.91	624.53	625.76	653.17	733.33	739.61
Total Deposits	2,364	2,271	2,397	2,429	2,327	2,155
Short-Term Borrowings	107.2	104.52	132.96	55.9	122.57	33.79
Current Portion of Leases	0.84	1.47	-	-	-	-
Accrued Interest Payable	25.26	0.4	0.5	0.7	0.45	0.21
Other Current Liabilities	-	-	-	1.47	1.46	1.45
Long-Term Debt	44.08	44.03	-	-	-	-
Long-Term Leases	7.87	6.91	9.41	8.88	9.95	10.97
Other Long-Term Liabilities	0.66	27.52	21.09	18.91	17.52	5.16
Total Liabilities	2,550	2,456	2,561	2,515	2,479	2,207

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.05	0.05	0.05	0.05	0.05	0.05
Additional Paid-In Capital	49.64	49.55	48.78	47.77	47.33	46.9
Retained Earnings	271.22	256.48	247.71	229.93	211.86	188.88
Treasury Stock	-14.6	-15.32	-16.17	-16.5	-17.6	-17.85
Comprehensive Income & Other	-35.95	-36.05	-65.07	-66.01	-75.26	-6.53
Shareholders' Equity	270.36	254.71	215.31	195.24	166.39	211.46
Total Liabilities & Equity	2,820	2,710	2,776	2,711	2,646	2,418

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	159.99	156.93	142.37	64.78	132.52	44.77
Net Cash (Debt)	-69.33	-91.15	-73.11	-5.59	-50.07	-16.08
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-14.38	-18.97	-15.33	-1.18	-10.67	-3.43
Filing Date Shares Outstanding	4.82	4.82	4.79	4.75	4.71	4.67
Total Common Shares Outstanding	4.82	4.79	4.75	4.74	4.69	4.67
Book Value Per Share	56.09	53.16	45.29	41.21	35.44	45.25
Tangible Book Value	248.54	232.89	193.49	173.42	144.56	189.62
Tangible Book Value Per Share	51.56	48.61	40.70	36.61	30.79	40.57

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 7, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 23, 2026

Data Sources Report a data error