🏦Bank Scorer

CHAMPLAIN NATIONAL BANK

ELIZABETHTOWN, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #7,356
Outstanding Up

Current rating · Exam: January 2023

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.81%

Institution Profile

FDIC BankFind

Address

7558 Us Route 9, ELIZABETHTOWN, NY

County

Essex County

Established

January 1, 1934

Total Assets

$500M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 9, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$500M

Total Deposits

$448M

Net Loans

$327M

Net Income

$1M

ROA

0.81%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.89%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.81%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$424M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

Improving

Based on last 3 exams

Exam DateRatingExam Type
Jan 2023OutstandingIntermediate Small Bank
Oct 2019SatisfactoryIntermediate Small Bank
Oct 2016SatisfactorySmall Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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