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Chemung Financial Corporation (CMHG) investor relations material
Chemung Financial Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Reported a net loss of $6.5M for Q2 2025, driven by a $17.5M loss on securities sales, offset by a $0.6M gain on branch property sale.
Excluding nonrecurring items, adjusted net income was $6.3M for Q2 2025, up 26.8% year-over-year, reflecting solid core operating results.
Issued $45M in subordinated debt and sold $245.5M in securities to strengthen capital and fund loan growth.
Wealth Management Group assets under management increased 4.5% since year-end 2024, reflecting market improvements.
Financial highlights
Net interest income for Q2 2025 was $20.8M, up 17.2% year-over-year; net interest margin rose to 3.05%.
Non-interest income was a loss of $10.7M, mainly due to the $17.5M securities sale loss.
Non-interest expense increased 9.9% year-over-year to $17.8M, driven by higher compensation and professional services.
Allowance for credit losses increased to $22.7M, or 1.06% of total loans.
Total assets grew 2.7% since year-end to $2.85B; loans rose 2.9% to $2.13B; deposits up 3.0% to $2.47B.
Outlook and guidance
Management expects proceeds from securities sales and subordinated debt to fund future organic loan growth and lower funding costs.
Anticipates continued focus on commercial lending, especially in key expansion markets.
Ongoing monitoring of economic conditions and credit quality, with allowance for credit losses sensitive to macroeconomic forecasts.
Management remains optimistic about core operating performance and principal initiatives.
Explain subordinated debt's impact on capital.
How will securities sale proceeds be utilized?
What drove the increase in salaries and wages?
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Next Chemung Financial Corporation earnings date
Q3 202521 Oct, 2025
Next Chemung Financial Corporation earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company, providing a range of financial services to individuals, businesses, and institutions. The company offers personal and commercial banking services, including checking and savings accounts, mortgages, loans, and credit services. It also provides wealth management and investment services, catering to clients seeking financial planning, investment advice, and trust services. Chemung Financial Corporation primarily serves customers across New York and Pennsylvania, with a focus on community banking and personalized service. The company is headquartered in Elmira, New York, and its shares are listed on the NASDAQ.
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