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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	71.84	48.5	45.44	35.25	54.27	17.78
Investment Securities	5.23	31.7	169.55	184	203.31	221.52
Trading Asset Securities	-	17.28	23.83	23.94	26.71	9.27
Mortgage-Backed Securities	253.43	253.31	365.93	403.82	435.13	577.36
Total Investments	258.66	302.28	559.31	611.77	665.15	808.15
Gross Loans	2,401	2,270	2,071	1,973	1,829	1,518
Allowance for Loan Losses	-25.21	-24.21	-21.39	-22.52	-19.66	-21.03
Net Loans	2,376	2,245	2,050	1,950	1,810	1,497
Property, Plant & Equipment	20.73	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	2.46	2.1	-	-	-	0.4
Accrued Interest Receivable	88.2	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	2.28	0.26	0.65	0.33	0.2	0.11
Other Long-Term Assets	-	52.4	57.85	55.4	55.02	28.37
Total Assets	2,851	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	1,721	1,547	1,670	1,699	1,562	1,387
Institutional Deposits	-	98.71	101.13	76.8	31.55	28.8
Non-Interest Bearing Deposits	664.38	624.53	625.76	653.17	733.33	739.61
Total Deposits	2,385	2,271	2,397	2,429	2,327	2,155
Short-Term Borrowings	-	104.52	132.96	55.9	122.57	33.79
Current Portion of Leases	-	1.47	-	-	-	-
Accrued Interest Payable	53.86	0.4	0.5	0.7	0.45	0.21
Other Current Liabilities	-	-	-	1.47	1.46	1.45
Long-Term Debt	132.28	44.03	-	-	-	-
Long-Term Leases	5.85	6.91	9.41	8.88	9.95	10.97
Other Long-Term Liabilities	0.6	27.52	21.09	18.91	17.52	5.16
Total Liabilities	2,578	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	Sep 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	50.12	49.55	48.78	47.77	47.33	46.9
Retained Earnings	282.19	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	-44.25	-36.05	-65.07	-66.01	-75.26	-6.53
Shareholders' Equity	273.51	254.71	215.31	195.24	166.39	211.46
Total Liabilities & Equity	2,851	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	138.12	156.93	142.37	64.78	132.52	44.77
Net Cash (Debt)	-66.29	-91.15	-73.11	-5.59	-50.07	-16.08
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-13.73	-18.97	-15.33	-1.18	-10.67	-3.43
Filing Date Shares Outstanding	4.84	4.82	4.79	4.75	4.71	4.67
Total Common Shares Outstanding	4.84	4.79	4.75	4.74	4.69	4.67
Book Value Per Share	56.51	53.16	45.29	41.21	35.44	45.25
Tangible Book Value	251.69	232.89	193.49	173.42	144.56	189.62
Tangible Book Value Per Share	52.00	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: Sep 30, 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:

Oct 27, 2026

Data Sources Report a data error