Welcome to our dedicated page for Chemung Financia SEC filings (Ticker: CHMG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Chemung Financial Corporation filings document the disclosure record of a New York financial services holding company whose common stock trades on Nasdaq under CHMG. Recent Form 8-K reports cover operating results, dividend declarations, Regulation FD investor presentations, capital and balance sheet topics, and other corporate events involving Chemung Canal Trust Company.
The company’s proxy filings describe board governance, shareholder voting matters, executive compensation, equity awards, and pay-versus-performance disclosures. Its SEC reports also record registered common-stock information and bank regulatory matters affecting the structure and oversight of its principal banking subsidiary.
Chemung Financial Corporation announced that its board has approved a quarterly cash dividend of $0.34 per share. The dividend will be paid on July 1, 2026 to common stock shareholders of record as of the close of business on June 17, 2026.
The company describes itself as a $2.7 billion financial services holding company headquartered in Elmira, New York, operating 30 offices through its principal subsidiary, Chemung Canal Trust Company, a full-service community bank with full trust powers.
Chemung Financial Corporation furnished an investor presentation highlighting record first quarter 2026 results and its strategic balance sheet repositioning. For Q1 2026, the bank reported net income of $9.2 million and earnings per share of $1.91, with returns of 1.36% on average assets and 14.25% on average equity. The fully taxable equivalent net interest margin reached 3.60%, aided by prior securities sales and funding changes.
Management detailed a 2025 balance sheet restructuring that sold about $245 million of low-yield available-for-sale securities at a roughly $17 million pre-tax loss, used to reduce higher-cost wholesale funding and support loan growth. Since June 30, 2025, wholesale funding fell by $79.3 million while loans increased by $179.3 million. Chemung also raised $45 million of subordinated debt, downstreaming $37.0 million as Tier 1 capital, supporting capital ratios including a 15.44% total risk-based capital ratio and an 8.84% tangible common equity ratio as of March 31, 2026.
Chemung Financial Corporation reported solid results for the three months ended March 31, 2026, with net income of $9.2 million, up from $6.0 million a year earlier. Earnings per share rose to $1.91 from $1.26 as both lending and fee businesses contributed.
Net interest income increased to $23.6 million while the provision for credit losses fell to $0.6 million, reflecting relatively stable credit quality. Total loans grew to $2.31 billion and deposits to $2.31 billion, supporting balance sheet expansion. Comprehensive income was $9.5 million, as modest securities valuation gains partially offset earlier unrealized losses.
Total assets reached $2.75 billion. The allowance for credit losses stood at $24.9 million, and nonaccrual loans were $7.6 million, indicating manageable problem credits. Shareholders’ equity increased to $262.9 million, helped by retained earnings and slight improvement in accumulated other comprehensive loss.
Chemung Financial Corp director Thomas R. Tyrrell reported selling 788 shares of common stock in open-market transactions. The sales occurred on April 27, 2026, with 540 shares sold at $65.10 per share and 248 shares sold at $65.83 per share. All transactions involved directly owned common stock.
Chemung Financial Corporation is holding a virtual Annual Meeting of Shareholders on June 2, 2026 at 2:00 p.m. Eastern Time for holders of its 4,819,440 outstanding common shares as of the April 6, 2026 record date.
Shareholders will vote on electing four directors for terms expiring in 2029, an advisory “Say-On-Pay” resolution on 2025 named executive officer compensation, and ratification of Crowe LLP as independent registered public accounting firm for 2026. The Board recommends “For” on all three proposals.
The filing explains detailed online and telephone voting procedures, quorum and broker non-vote treatment, and how DRIP and 401(k) shares are voted. It describes board composition, committee structure, director independence, and director compensation, which combines cash retainers and restricted stock with 2025 non‑employee director totals generally around $60,000–$90,000. The proxy also outlines executive pay philosophy, change in control agreements with double triggers, long-term equity incentives, and related-party banking and leasing transactions made on terms comparable to those offered to non‑related parties.
Chemung Financial Corporation reported record quarterly results for the first quarter of 2026. Net income rose to $9.2 million, or $1.91 per share, up from $7.7 million, or $1.61 per share, in the prior quarter and $6.0 million, or $1.26 per share, a year earlier. Return on average assets improved to 1.36%, while return on average equity reached 14.25%.
Net interest income increased to $23.6 million, with net interest margin expanding to 3.60% from 2.96% a year ago, helped by higher loan yields and lower deposit costs. Loans grew to $2.31 billion, nearly matching total deposits, and the adjusted efficiency ratio improved to a historical low of 58.27%, reflecting tight expense control.
Credit quality remained solid, with non-performing loans at 0.33% of total loans and annualized net recoveries of 0.02%. Book value per share rose to $54.36 and tangible book value to $49.85. The company paid a quarterly dividend of $0.34 per share and maintained strong capital ratios above well-capitalized thresholds.
Chemung Financial Corporation reports that its wholly owned subsidiary, Chemung Canal Trust Company, has applied to the Office of the Comptroller of the Currency to convert from a New York chartered trust company to a national bank.
The conversion will proceed only if the OCC, the regulator of national banks, approves the application.
Chemung Financial Corporation files its annual report describing a $2.710 billion community bank serving New York and Pennsylvania through Chemung Canal Trust Company and its divisions. The company focuses on relationship-based lending, stable deposits, and fee income from wealth management and financial services.
As of December 31, 2025, loans totaled $2.270 billion, deposits were $2.271 billion, and shareholders’ equity was $254.7 million. Wealth Management Group oversaw $2.338 billion of assets under management or administration. The filing also details extensive regulatory oversight and key risks, including commercial real estate concentrations, indirect auto lending, and broader economic conditions.
Chemung Financial Corp President & CEO Tomson Anders reported a Form 4 transaction involving a tax-related share disposition. On February 27, 2026, 1,603 shares of common stock were used to satisfy tax withholding at $55.52 per share, leaving 46,222.938 shares held directly.
An additional indirect holding of 17,699.638 shares is reported through a qualified plan, which includes dividends issued periodically under the company’s Dividend Reinvestment Plan.