secwatch.observer — SEC 8-K summary
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Issuer:     CHEMUNG FINANCIAL CORP (CHMG)
CIK:        0000763563
Form:       8-K
Filed at:   2026-07-22T20:10:16+00:00
Accession:  0001171843-26-004834
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/763563/000117184326004834/0001171843-26-004834-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/763563/000117184326004834/f8k_072226.htm
  HTML page:      https://secwatch.observer/filing/0001171843-26-004834

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer