What is Champlain National Bank's financial health grade?

Champlain National Bank has a TFS Financial Health Grade of D+ (score: 68.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Champlain National Bank have?

Champlain National Bank has 10 branch locations across the United States.

Is Champlain National Bank FDIC insured?

Yes, Champlain National Bank is FDIC insured (Certificate #7356).

What are the total assets of Champlain National Bank?

Champlain National Bank has total assets of $485.8M as reported in its most recent FDIC filing.

Champlain National Bank

BankElizabethtown, New York

http://www.champlainbank.com

Total Assets

$485.8M

Total Deposits

$422.4M

Branches

Established

1934

TFS Health Grade

D+

68.2 / 100

Below average financial health

How we grade

Champlain National Bank is a bank headquartered in Elizabethtown, New York, established in 1934. With $485.8M in total assets and 10 branch locations, it has a TFS Financial Health Grade of D+ (68.2/100).

Capital & Safety

Tier 1 Capital Ratio

10.56%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.04%

Profitability

Return on Assets (ROA)

0.82%(1%)

Return on Equity (ROE)

12.60%(10%)

Net Interest Margin

3.51%

Efficiency Ratio

70.80%(60%)

Lending & Liquidity

Total Loans

$331.2M

Loan-to-Deposit Ratio

77.60%

Net Charge-Off Ratio

0.13%

Growth

Asset Growth (YoY)

+2.56%

Deposit Growth (YoY)

+2.69%

Net Income

$4.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Champlain National BankHQ	7558 Us Route 9	Elizabethtown	NY	11
Champlain National Bank	636 Route 11	Champlain	NY	11
Champlain National Bank	2687 Main St	Crown Point	NY	11
Champlain National Bank	10849 Nys Route 9n	Keene	NY	11
Champlain National Bank	2040 Saranac Ave	Lake Placid	NY	11
Champlain National Bank	32 Cornelia St	Plattsburgh	NY	11
Champlain National Bank	500 Route 3	Plattsburgh	NY	11
Champlain National Bank	151 Church St	Saranac Lake	NY	11
Champlain National Bank	6478 Main St	Westport	NY	11
Champlain National Bank	3900 Nys Route 22	Willsboro	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.