---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-004834"
form_type: "8-K"
ticker: "CHMG"
cik: "0000763563"
company_name: "CHEMUNG FINANCIAL CORP"
filed_at: "2026-07-22T20:10:16+00:00"
generated_at: "2026-07-22T20:11:19.159047+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001171843-26-004834
- form_type: 8-K
- ticker: CHMG
- cik: 0000763563
- company_name: CHEMUNG FINANCIAL CORP
- filed_at: 2026-07-22T20:10:16+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/763563/000117184326004834/0001171843-26-004834-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763563/000117184326004834/f8k_072226.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-004834
- JSON: https://secwatch.observer/filing/0001171843-26-004834.json
- Plain text: https://secwatch.observer/filing/0001171843-26-004834.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.