Chemung Financial Q2 net income $8.8M vs loss $6.5M YoY; NIM expands 62 bps

CHEMUNG FINANCIAL CORP

Net income of $8.8M ($1.82/diluted share) vs net loss of $6.5M ($1.35/share) in Q2 2025.
Net interest income rose 18.8% to $24.7M; net interest margin expanded 62 bps to 3.67%.
Annualized commercial loan growth 13.0% YTD; customer deposit growth 8.3% YTD.
Non-performing loans $9.2M (0.39% of loans) vs $7.9M (0.35%) at Dec 31, 2025.
Dividend declared $0.34 per share in Q2 2026.

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