Chemung Canal Trust Company
Headquartered in ELMIRA, NY. Analysis based on 98 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $13.7M.
Total 7(a) loans
98
Total approved
$13.7M
Average loan
$140K
States funded in
3
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
41.89%
Average rate
6.03%
Average term
90 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722410 | Drinking Places (Alcoholic Beverages) | 7 |
| 722513 | Limited-Service Restaurants | 6 |
| 323113 | Commercial Screen Printing | 5 |
| 722511 | Full-Service Restaurants | 5 |
| 713940 | Fitness and Recreational Sports Centers | 3 |
| 812112 | Beauty Salons | 3 |
| 811121 | Automotive Body, Paint, and Interior Repair and Maintenance | 3 |
| 236220 | Commercial and Institutional Building Construction | 2 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 2 |
| 221121 | Electric Bulk Power Transmission and Control | 2 |
Top 10 states
| State | Loans |
|---|---|
| NY | 91 |
| PA | 6 |
| CA | 1 |
Top franchise brands financed
3 franchise loans across 1 distinct brands.
| Franchise | Loans |
|---|---|
| Journey 333 | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.