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Champlain National Bank
Elizabethtown, NY · FDIC Certificate #7356 · Chartered 01/0
Total assets
$497.06M
Total deposits
$443.87M
Total equity
$38.40M
Net loans
$322.83M
Branches (offices)
10
Net income (YTD)
$2.21M
Rank: #1,794 of 4,213 U.S. banks by assets · #77 of 115 in New York. Assets changed 1.6% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 11.87% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 7.73% |
| Tier 1 leverage ratio | 10.87% |
| Uninsured deposits (share of deposits) | 37.5% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.7% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $268.35M | 83.1% | |
| Commercial & industrial | $19.59M | 6.1% | |
| Consumer / individual | $35.04M | 10.9% | |
| Construction & development | $11.84M | 3.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $465.03M | $416.24M | $2.48M | $26.67M |
| Jun 2023 | $463.94M | $387.30M | $1.81M | $26.05M |
| Jun 2024 | $476.06M | $388.53M | $1.38M | $27.06M |
| Jun 2025 | $489.34M | $424.33M | $1.69M | $30.70M |
| Jun 2026 | $497.06M | $443.87M | $2.21M | $38.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $443.87M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $443.87M.
Similar-sized banks
Bank Of Commerce ($497.50M) · Casey State Bank ($496.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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