Chemung Canal Trust completes OCC-approved conversion to national bank charter

CHEMUNG FINANCIAL CORP

On October 1, 2026, subsidiary Chemung Canal Trust Company converted from a New York chartered trust company to a national bank after OCC approval.
The bank now operates as "Chemung Canal Trust Company, National Association" and is supervised, regulated, and examined by the Office of the Comptroller of the Currency.
Chemung Financial said the bank continues as the same corporate entity in the same structure as before the conversion; no financial terms or capital impact were disclosed.
Only exhibit filed is Exhibit 104, the cover page interactive data file; no press release or financial statements accompanied the disclosure.

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