Updated
The most significant concentration Chemung Financial discloses is deposits with no stated maturity at 79.6%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Chemung Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'As of December 31, 2025, the Bank had $1.8 billion of deposit liabilities, representing 79.6% of total deposits, that had no maturity and, therefore, may be withdrawn by the depositor at any time without penalty.'”
“10-K Item 1A: 'As of December 31, 2025, the Corporation's portfolio of commercial real estate and commercial and industrial loans totaled $1.734 billion or 76.4% of total loans.'”
“10-K Item 1: 'the Bank held a majority of market deposits in Chemung County, where it is headquartered, with 64.56% of total market deposits.'”
“10-K Item 1A: 'Non-owner occupied commercial real estate loans represented 384.9% of Bank risk-based capital as of December 31, 2025 and outstanding balances of non-owner occupied commercial real estate loans increased by 37.1% during the 36 months preceding December 31, 2025.'”
Chemung Financial's balance sheet carries several high-share, structural concentrations that compound each other. As of December 31, 2025, $1.8 billion of deposit liabilities, representing 79.6% of total deposits, had no stated maturity and could be withdrawn without penalty — a structural liquidity exposure common to community banks but sizable here. On the asset side, commercial real estate and commercial and industrial loans totaled $1.734 billion, or 76.4% of total loans, and non-owner occupied commercial real estate loans specifically represented 384.9% of Bank risk-based capital, with outstanding balances up 37.1% over the 36 months preceding December 31, 2025 — both high-share, structural exposures within the loan book. Geographically, the Bank held a majority of market deposits in Chemung County, where it is headquartered, with 64.56% of total market deposits — another high-share, structural concentration. None of these four exposures is a single-counterparty dependency; rather, they describe a bank whose funding base, loan mix, and deposit franchise are all concentrated in overlapping ways, which together make CHMG's results unusually sensitive to a regional commercial real estate or deposit-flight shock.
For the engine’s reasoning on CHMG’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| CHMG● | Chemung Financial Corp | 4 | 0 | 0 | 4 |
| AIRJ | AirJoule Technologies Corporati | 3 | 0 | 0 | 3 |
| ACCO | Acco Brands Corporation | 2 | 1 | 0 | 3 |
| ACLX | Arcellx, Inc. | 1 | 1 | 0 | 2 |
| AL | Air Lease Corporation | 0 | 2 | 0 | 2 |
| AIV | Apartment Investment and Manage | 0 | 1 | 0 | 1 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.