Risk factors

Chemung Financial (CHMG) risk factors

Item 1A of every Chemung Financial Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    41 risks, 1 new, 1 dropped, 9 reworded since the prior year. Chemung Financial Corp added subordinated debt risks following $45.0 million in June 2025 notes issuance. Inflation and Federal Reserve policy risks were updated with 2025 metrics. Technological risk now accounts for the GENIUS Act passed in July 2025.

    Filed Mar 13, 2026
  • FY2024 10-K risk factors

    41 risks. Chemung Financial Corp's risk profile is dominated by commercial real estate loan concentration, regional economic exposure in upstate New York and Pennsylvania, and interest rate and credit sensitivity.

    Filed Mar 14, 2025